Amelia Risk vs 
Chubb Tech E&O Insurance
Amelia Risk brokers Tech E&O as a listed line; Chubb underwrites DigiTech ERM, combining tech E&O with media and cyber.
What Is Amelia Risk?
Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. 1,2,3
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. 7,8,9
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. 11,12,13
Key Differences in Tech E&O Insurance
Broker Versus Combined Policy
Amelia Risk is a brokerage that places Technology E&O as its own listed line. Chubb underwrites the line through DigiTech ERM, which combines tech E&O with media and cyber rather than selling tech E&O standalone. 4 6 9
What the Coverage Is Said to Do
Amelia Risk describes Tech E&O as professional liability when a product or service fails and causes a client or user a financial loss. Chubb says DigiTech ERM adds third-party financial injury from the insured’s products or services, a broadened “technology incident” definition, and software copyright infringement. 4 9
Chubb’s reviewed sources do not publish DigiTech ERM limit or retention amounts. Amelia Risk’s reviewed sources also do not publish Tech E&O limits. 10 4
Who It Is For and How You Quote
Amelia Risk markets the line to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies once people are using the technology. Chubb targets software and system developers, technology-services firms, and electronics and hardware manufacturers. 5 4 10
Agents and brokers quote DigiTech ERM through Chubb’s Cyber Central or Marketplace platforms. Amelia Risk uses a four-step brokerage process instead of those carrier quoting tools. 7 6
What to Confirm in Tech E&O Insurance Quotes
- Ask whether you are buying DigiTech ERM as a combined E&O-media-cyber policy or a Tech E&O-only placement through Amelia Risk. 9 6
- Confirm software copyright and “technology incident” definitions on the Chubb form against Amelia Risk’s placed wording. 9 4
- Get limits and retentions; neither reviewed set of sources publishes amounts. 9 4
- Confirm the issuing insurer on Amelia Risk’s placement; Chubb underwrites DigiTech ERM. 4 9
Offering Details
Amelia Risk vs Chubb Tech E&O Insurance: documented features by provider
| Criteria | Technology Errors and Omissions | Chubb DigiTech ERM (Technology Errors & Omissions) |
|---|---|---|
| Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. 6,4Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy. | 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. 9Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. |
| Issuing Insurer | The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. 4,2Not publicly disclosed. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. | Not described in the reviewed sources. |
| Who It’s For | Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. 4Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. 5Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold. | 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. 9Company-reported. DigiTech ERM Target Clients list. |
| Coverage Features | Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. 4Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions. | 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. 9Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. 9Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | 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. 9Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." |
| How to Apply | Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 2Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form. | 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. 9,7Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list. |
| Claims Support | Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. 2Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service. | Not described in the reviewed sources. |
Full Comparison
More Amelia Risk vs Chubb Comparisons
Other Tech E&O Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Technology Errors and Omissions. Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. 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.
