Alliance Risk vs Chubb Professional Liability (E&O) Insurance

Alliance Risk places professional liability (errors and omissions, or E&O) coverage as a broker, saying it backs placements with risk-specific underwriting input and carrier partnerships rather than underwriting the policy itself. ³Company-reported. Professional liability product page.

Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. ⁶Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.

The reviewed professional liability page does not name the insurer that would issue a policy; it refers generally to 'strong carrier partnerships' without identifying a specific carrier. ³Not publicly disclosed. Professional liability product page as read on 2026-09-23.

Not described in the reviewed sources.

Alliance Risk targets professional liability at consultants and advisory firms, accountants and tax professionals, architects and engineers, real estate and insurance agents and brokers, marketing and PR agencies, IT and technology consultants, healthcare providers, and financial planners and investment advisors. ³Company-reported. Professional liability product page; eligibility for a particular company depends on underwriting.

Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. ⁶Company-reported. Pro ERM Target Clients list.

Alliance Risk lists negligent acts or omissions, breach of contract, misrepresentation, and missed deadlines as typically covered, and says bodily injury or property damage, intentional wrongdoing or fraud, employment disputes, cyber incidents, and prior known claims are excluded and belong to other lines such as general liability, EPLI or cyber liability. ³Company-reported. Professional liability product page; coverage and exclusions described in general terms, subject to the policy as issued.

Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. ⁶Company-reported. Pro ERM Product Features list; subject to the policy as issued.

The reviewed professional liability page gives cost ranges by firm size (for example, solo practitioners at $500-$3,000 a year up to mid-sized to large firms at $10,000-$50,000-plus) but does not publish specific coverage limits, retentions or deductible amounts for this line. ³Not found in reviewed sources. Professional liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.

Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. ⁶Company-reported. Pro ERM Product Features list.

Alliance Risk describes its approach to professional liability as including industry-specific risk reviews, claims-trend analysis, customized policy language, review of client contracts to limit personal exposure, and expertise structuring claims-made policies including tail coverage, prior acts and retroactive dates. ³Company-reported. Professional liability product page, Our Approach to Professional Liability and The Alliance Risk Difference sections.

Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. ⁶Company-reported. Pro ERM Product Features list.

The professional liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. ³Not found in reviewed sources. Professional liability product page as read on 2026-09-23.

Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ⁶Company-reported. Cyber Insurance Coverage & Products page quoting section.

Alliance Risk says professional liability clients get access to a legal network and claims experts who understand the client's industry, providing a defense strategy if a claim arises. ³Company-reported. Professional liability product page, The Alliance Risk Difference section.

Not described in the reviewed sources.