Chubb Corp. (NYSE:CB) has reported its Q4 and 2012 results. The quarter saw a steep year-over-year fall in bottom line of 77%, due largely to the effects of last autumn's "super storm" Hurricane Sandy. Net came in at $102 million ($0.38 per share), as opposed to the $452 million of Q4 2011.   In spite of the drop, the net profit came as a surprise to the many analysts who expected the company to post an operating loss.

For the period, net premiums written totaled $2.91 billion, a slight decline from the $2.97 billion in the same period the previous year.

For 2012, Chubb saw a bottom line of $1.5 billion ($5.69 EPS), down from the $1.7 billion ($5.76) it posted in 2011. Net premiums written increased modestly, to $11.87 billion, from the previous year's $11.76 billion.

Looking forward, in fiscal 2013 the company expects an increase in net written premiums of 2%-4%, and an operating income of $6.40-$6.80 per share.

Fool contributor Eric Volkman has no position in Chubb Corp. The Motley Fool has no position in Chubb Corp. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.