A concentration of directors and officers exposure makes Chubb a riskier proposition than generally believed, according to a recent report from an independent research firm.

New York-based CreditSights Inc. said earlier this month that the Warren, N.J.-based carrier has about 25 percent of its net written premium attributable to directors and officers insurance.

"Going forward, we believe D&O margins will continue to deteriorate," the report said.

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