Alliance Risk vs 
Chubb Tech E&O Insurance
Alliance Risk places standalone Tech E&O; Chubb underwrites DigiTech ERM combining tech E&O with media and cyber.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 3,4,5
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. 7,8,9
Key Differences in Tech E&O Insurance
Broker Placement Versus DigiTech ERM
Alliance Risk specializes in placing Tech E&O rather than underwriting it, and it does not name the carriers. Chubb underwrites technology errors and omissions through DigiTech ERM, a single policy that combines tech E&O with media and cyber rather than selling tech E&O standalone. 2 5
An Alliance Risk quote is a marketed placement. A DigiTech ERM quote is Chubb paper that also includes cyber services. 2 5
What Each Says Is Inside Tech E&O
Alliance Risk describes cover for failure to perform and errors in deliverables, including AI outputs, and excludes cyberattacks. Chubb says DigiTech ERM adds technology errors and omissions for third-party financial injury from the insured’s products or services, with no exclusion for delays or failure to deliver. 2 5
Alliance Risk treats cyber as a separate line. DigiTech ERM includes all Cyber ERM features. 2 5
Limits, Services and Who It Is For
Alliance Risk describes typical limits from $250K/$500K to $2M/$3M+ and a $2,500 small-firm deductible. Chubb’s reviewed sources do not publish specific limit or retention amounts for DigiTech ERM’s technology E&O coverage. 2 5
DigiTech ERM policyholders get a panel of pre-approved incident-response providers and a 24/7 hotline. Alliance Risk offers a no-charge review of an existing Tech E&O policy. Chubb targets software and system developers, technology-services firms and hardware manufacturers; Alliance Risk markets to SaaS, AI companies, IT consultants and MSPs. Agents quote DigiTech ERM through Cyber Central or Marketplace. 5 2
What to Confirm in Tech E&O Insurance Quotes
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Confirm whether you would buy standalone Tech E&O through Alliance Risk or Chubb DigiTech ERM as a combined policy. 2 5
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Compare delay/failure-to-deliver wording on DigiTech ERM with Alliance Risk’s failure-to-perform description. 5 2
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Ask Chubb for DigiTech ERM limits, which the reviewed pages do not publish. 5
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Get the issuing insurer on the Alliance Risk placement. 2
Offering Details
Alliance Risk vs Chubb Tech E&O Insurance: documented features by provider
| Criteria | Alliance Risk Tech E&O Insurance | Chubb DigiTech ERM (Technology Errors & Omissions) |
|---|---|---|
| Role in This Line | Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. 2Company-reported. Tech E&O page opening description. | 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. 5Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. |
| Issuing Insurer | Alliance Risk's Tech E&O page does not name the carriers it places coverage with; it says it "markets your risk to carriers that specialize in technology E&O" without identifying one. 2Not publicly disclosed. Tech E&O page as read on 2026-09-23; the issuing insurer depends on the specific placement. | Not described in the reviewed sources. |
| Who It’s For | Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. 2Company-reported. Tech E&O page, "Who Needs Tech E&O Insurance?" section. | 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. 5Company-reported. DigiTech ERM Target Clients list. |
| Coverage Features | Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. 2Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms. | 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. 5Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. |
| Limits and Retentions | Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. 2Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote. | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. 5Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. |
| Risk Services | Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. 2Company-reported. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections. | 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. 5Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." |
| How to Apply | For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. 2Company-reported. Tech E&O page, "What We Need for Your Quote" section. | 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. 5,3Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list. |
| Claims Support | The reviewed Tech E&O page describes the quote and policy-review process but does not describe a dedicated claims-reporting procedure or claims-advocacy service specific to a Tech E&O loss. 2Not found in reviewed sources. Tech E&O page as read on 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Alliance Risk vs Chubb Comparisons
Other Tech E&O Insurance Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Who Needs Tech E&O Insurance?; What Tech E&O Insurance Covers/Does NOT Cover; Tech E&O Insurance vs. Cyber Liability Insurance; How Much Does Tech E&O Insurance Cost?; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-23.
Chubb
- Insurance for Technology Companies. Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
