Amelia Risk vs 
Chubb: How Do They Compare for Tech E&O Insurance?
Insurer or brokerage: Chubb underwrites tech E&O only inside DigiTech ERM, combined with media and cyber, while Amelia Risk is a brokerage that places Tech E&O as a separate listed line.
Chubb's DigiTech ERM combines tech E&O, media and cyber in one policy, adds software copyright infringement, and is quoted by your agent through Chubb's platforms. Amelia Risk is a broker that places Tech E&O as its own policy for software, hardware, AI, robotics and life-sciences companies. 5,7,3,1
What Are the Key Differences Between Amelia Risk and Chubb Tech E&O Insurance?
One Combined Policy vs Standalone Tech E&O
Chubb writes tech E&O through DigiTech ERM, which combines tech E&O with media and cyber in one policy rather than selling tech E&O alone. Amelia Risk is a broker that places Technology E&O as its own line and doesn't name the insurer. Choose Chubb if you want E&O, media and cyber from one insurer on one policy; choose Amelia Risk if you're a robotics, autonomous-vehicle or life-sciences company that wants a broker to shop a standalone E&O policy. 1 3 5
What the Coverage Does
Amelia Risk describes Tech E&O as paying when your product or service fails and a client or user loses money. Chubb says DigiTech ERM covers third-party financial injury from your products or services, uses a broader "technology incident" definition, and adds software copyright infringement. Neither publishes limits or retentions. 1 5 6
Who It's 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. Agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace platforms; Amelia Risk uses a four-step brokerage process. 2 1 6 7 3
What Should You Confirm in Amelia Risk and Chubb Tech E&O Insurance Quotes?
- Decide whether you want one combined E&O-media-cyber policy (Chubb) or standalone Tech E&O (Amelia Risk). 5 3
- Ask Amelia Risk whether its placed form covers software copyright infringement, as Chubb's does. 5 1
- Get limits and retentions from both. 5 1
- Ask Amelia Risk which insurer will issue your policy. 1 5
Amelia Risk vs Chubb Tech E&O Insurance Compared
Amelia Risk vs Chubb: Tech E&O Insurance: documented features by provider
| Criteria | Technology Errors and Omissions | Chubb DigiTech ERM (Technology Errors & Omissions) |
|---|---|---|
| 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. 1Company-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. 2Company-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. 5Company-reported. DigiTech ERM Target Clients list. |
| 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. 4Company-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. 5,7Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products 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. 1Company-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. 5Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. |
| 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. 3,1Company-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. 5Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. |
