---
title: "AIG vs Chubb: Tech E&O Insurance"
description: "AIG describes technology services E&O; Chubb’s DigiTech ERM combines technology E&O with cyber and media exposures and publishes product specific features."
canonical: "https://spot.insure/compare/aig-vs-chubb/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-chubb"
provider-a: "aig"
provider-b: "chubb"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-chubb/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of AIG and Chubb for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about AIG versus Chubb. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Chubb for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, AIG or Chubb?
- What does AIG or Chubb publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from AIG or Chubb?

**Key facts:**
- Line: Tech E&O Insurance. Providers: AIG and Chubb.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Chubb](https://spot.insure/compare/aig-vs-chubb) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence)
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Commercial Auto Insurance](https://spot.insure/compare/aig-vs-chubb/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Commercial Property Insurance](https://spot.insure/compare/aig-vs-chubb/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Crime Insurance](https://spot.insure/compare/aig-vs-chubb/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Cyber Insurance](https://spot.insure/compare/aig-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb D&O Insurance](https://spot.insure/compare/aig-vs-chubb/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-chubb/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb General Liability Insurance](https://spot.insure/compare/aig-vs-chubb/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Inland Marine Insurance](https://spot.insure/compare/aig-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-chubb/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Management Liability Insurance](https://spot.insure/compare/aig-vs-chubb/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Product Recall Insurance](https://spot.insure/compare/aig-vs-chubb/product-recall) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-chubb/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# AIG vs Chubb: How Do They Compare for Tech E&O Insurance?

AIG describes technology services E&O; Chubb’s DigiTech ERM combines technology E&O with cyber and media exposures and publishes product specific features.

## How to Use the AIG vs Chubb Tech E&O Insurance Comparison

Use this comparison to evaluate AIG and Chubb for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## AIG vs Chubb Tech E&O Insurance Summary

AIG describes E&O for errors in technology services. Chubb’s DigiTech ERM adds technology E&O to cyber coverage, with stated software copyright and product recall features in its combined policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Chubb?

Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [5](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [13](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [14](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between AIG and Chubb Tech E&O Insurance?

### Standalone description or combined policy

AIG markets Technology Services E&O for providers whose service errors may cause a customer economic loss. Chubb’s DigiTech ERM is a combined policy: it adds technology E&O to Cyber ERM and says the product includes media and cyber exposures. Chubb describes coverage for third party financial injury, software copyright infringement, and product recall loss of use; AIG’s page describes the E&O purpose but does not list comparable extensions. Compare the actual policy forms before treating those categories as equivalent grants. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### Buyer profile and response services

Chubb names software and systems developers, technology service firms, consultants, and hardware businesses as DigiTech ERM audiences, and its policyholders can access a 24/7 hotline and pre-approved response providers. AIG names technology service providers more generally and describes a professional liability claims team. The source records do not establish whether AIG includes the same response services or whether Chubb’s listed audiences guarantee eligibility. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")

## What Should You Confirm in AIG and Chubb Tech E&O Insurance Quotes?

- Ask Chubb to show how the proposed form addresses your services, software, and product exposures, and whether response services are available for your selected coverage. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask AIG for the eligible operations, policy form, exclusions, issuer, and services attached to the specific quote. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")

## AIG vs Chubb Tech E&O Insurance Compared

| Criteria | AIG Technology Services E&O | Chubb DigiTech ERM (Technology Errors & Omissions) |
| --- | --- | --- |
| Role in This Line | AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment..) | Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, DigiTech ERM section..) |
| Who It’s For | AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific..) | Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: DigiTech ERM Target Clients list..) |
| Coverage Features | AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed..) | Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: DigiTech ERM Product Features list; subject to the policy as issued..) |
| Limits and Retentions | The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed..) | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) |
| Risk Services | AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG Professional Liability page claims description; technology-specific service standards are not stated..) | DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM.".) |
| How to Apply | Confirm in your quote. | Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products quoting section; technology-industry products list..) |

## Related Pages for AIG vs Chubb Tech E&O Insurance

- [AIG vs Chubb](https://spot.insure/compare/aig-vs-chubb): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit)
- [AIG vs Chubb Commercial Auto Insurance](https://spot.insure/compare/aig-vs-chubb/commercial-auto)
- [AIG vs Chubb Commercial Property Insurance](https://spot.insure/compare/aig-vs-chubb/commercial-property)
- [AIG vs Chubb Crime Insurance](https://spot.insure/compare/aig-vs-chubb/crime)
- [AIG vs Chubb Cyber Insurance](https://spot.insure/compare/aig-vs-chubb/cyber)
- [AIG vs Chubb D&O Insurance](https://spot.insure/compare/aig-vs-chubb/directors-officers)
- [AIG vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-chubb/employment-practices)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/equipment-breakdown)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary)
- [AIG vs Chubb General Liability Insurance](https://spot.insure/compare/aig-vs-chubb/general-liability)
- [AIG vs Chubb Inland Marine Insurance](https://spot.insure/compare/aig-vs-chubb/inland-marine)
- [AIG vs Chubb Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-chubb/kidnap-ransom)
- [AIG vs Chubb Management Liability Insurance](https://spot.insure/compare/aig-vs-chubb/management-liability)
- [AIG vs Chubb Product Recall Insurance](https://spot.insure/compare/aig-vs-chubb/product-recall)
- [AIG vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-chubb/professional-errors-omissions)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties)
- [AIG vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-chubb/umbrella-excess)
- [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation)
- [AIG vs Alliance Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions)

## Sources for AIG vs Chubb Tech E&O Insurance

### Sources About AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Professional Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability). AIG US; Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489.. Accessed 2026-09-30.

### Sources About Chubb

4. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
5. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
6. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
7. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.

### Sources for the Tech E&O Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
9. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
10. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
11. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
12. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
13. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
14. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Review Scores for 2026

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Chubb Review Scores for 2026

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-chubb/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)