Alliance Risk vs 
Chubb: How Do They Compare for Tech E&O Insurance?
Chubb underwrites tech E&O only within DigiTech ERM, a policy combining media and cyber exposures; Alliance Risk is a specialist placement partner that does not underwrite and offers a free review of an existing policy.
Chubb sells Tech E&O only inside DigiTech ERM, one policy with cyber and media that covers claims over late or failed delivery. Alliance Risk shops standalone Tech E&O, including AI-output errors, with typical limits from $250,000 to $2 million-plus and a $2,500 small-firm deductible. 2,1
What Are the Key Differences Between Alliance Risk and Chubb Tech E&O Insurance?
Standalone Placement vs One Policy With Cyber
Alliance Risk specializes in placing Tech E&O with insurers it doesn’t name, and treats cyber as a separate policy. Chubb underwrites Tech E&O itself but only inside DigiTech ERM, which combines it with media and all of Chubb’s Cyber ERM features; agents quote it through Cyber Central or Chubb Marketplace. Choose Chubb if you want E&O and cyber on one policy from one insurer; choose Alliance Risk if you’re a SaaS, AI, IT consulting or MSP firm that wants standalone E&O shopped for you. 1 2
AI Errors, Cyber Excluded vs Late Delivery Covered
Alliance Risk covers failure to perform and errors in deliverables, including AI outputs, and excludes cyberattacks. Chubb covers third-party financial loss from errors in your technology products or services, with no exclusion for delays or failure to deliver. If a missed deadline is your biggest client risk, Chubb states that plainly. 1 2
Published Limits and a Policy Review vs Incident Response
Alliance Risk publishes typical limits from $250,000/$500,000 to $2 million/$3 million-plus and a $2,500 deductible for small firms, and offers a free review of your current Tech E&O policy. Chubb publishes no Tech E&O limits but gives DigiTech ERM policyholders a panel of pre-approved incident-response firms and a 24/7 hotline. Chubb targets software and system developers, technology-services firms and hardware manufacturers. 1 2
What Should You Confirm in Alliance Risk and Chubb Tech E&O Insurance Quotes?
Alliance Risk vs Chubb Tech E&O Insurance Compared
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) |
|---|---|---|
| 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. 1Company-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. 2Company-reported. DigiTech ERM Target Clients list. |
| 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. 1Company-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. 2,4Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products 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. 1Company-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. 2Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. |
| 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. 1Company-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. 2Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. |
| 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. 1Company-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. 2Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." |
