---
title: "Amelia Risk vs Chubb Tech E&O Insurance"
description: "Amelia Risk brokers Tech E&O as a listed line; Chubb underwrites DigiTech ERM, combining tech E&O with media and cyber."
canonical: "https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Chubb for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk places Technology E&O through brokerage and does not name the insurer. Chubb underwrites technology E&O through DigiTech ERM, a single policy that combines tech E&O with media and cyber, quoted by agents through Cyber Central or Marketplace. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies")

## 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](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [8](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## 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](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### 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](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

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](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance for Software Product & System Developers") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

### 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](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [10](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance for Software Product & System Developers")

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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

## 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")
- Confirm software copyright and “technology incident” definitions on the Chubb form against Amelia Risk’s placed wording. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Get limits and retentions; neither reviewed set of sources publishes amounts. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Confirm the issuing insurer on Amelia Risk’s placement; Chubb underwrites DigiTech ERM. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## Offering Details

| 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](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule..)<br><br>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. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: 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. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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

- [Amelia Risk vs Chubb](https://spot.insure/compare/amelia-risk-vs-chubb): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cargo-transit)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)
- [Amelia Risk vs Chubb D&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/directors-officers)
- [Amelia Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/employment-practices)
- [Amelia Risk vs Chubb General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/general-liability)
- [Amelia Risk vs Chubb Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/product-recall)
- [Amelia Risk vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/umbrella-excess)
- [Amelia Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/workers-compensation)
- [Alliance Risk vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/technology-errors-omissions)
- [Alliance Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Beazley Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/technology-errors-omissions)
- [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions)
- [Amelia Risk vs Coalition Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). 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.
2. [Our Specialties](https://ameliarisk.com/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.
3. [About Us](https://ameliarisk.com/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.
4. [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-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.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). 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.
6. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

### Chubb

7. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
8. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
9. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
10. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.

### Tech E&O Insurance Guide

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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