At-Bay vs 
Chubb: How Do They Compare for Tech E&O Insurance?
Chubb underwrites Tech E&O only inside DigiTech ERM, one policy that adds media and cyber, quoted by agents and brokers. At-Bay includes its Stance security platform with every Tech E&O policy and takes submissions by email.
At-Bay sells standalone Tech E&O with broad breach-of-contract and IP cover, limits up to $10 million for firms up to $5 billion in revenue, and its Stance security services included. Chubb only writes tech E&O inside DigiTech ERM, a combined policy that also covers media and cyber. 1,5
What Are the Key Differences Between At-Bay and Chubb Tech E&O Insurance?
Standalone Tech E&O vs a Combined Tech, Media and Cyber Policy
At-Bay sells Tech E&O as its own policy through your broker, with primary and excess limits up to $10 million for firms with revenue up to $5 billion. Chubb writes tech E&O only inside DigiTech ERM, which also folds in media and cyber, and publishes no limits or retentions. Choose At-Bay if you want Tech E&O on its own or already have cyber elsewhere; choose Chubb if you want tech, media and cyber on one policy from one insurer. 1 5
Broad Contract Terms at At-Bay vs Product-Failure Cover at Chubb
At-Bay says its form broadens breach-of-contract cover, doesn't exclude warranties, guarantees or consequential damages, and extends IP cover to trade secrets, cybersquatting, deep-linking and source-code licenses, which matters if your client contracts promise performance. Chubb's DigiTech ERM covers third-party financial loss from your products or services, a broadened "technology incident," software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. 1 5
Security Services Included With Both
Every At-Bay Tech E&O policy includes Stance: vulnerability monitoring, vCISO advice, tabletop exercises and awareness training. DigiTech ERM policyholders get Chubb's cyber panel, 24/7 hotline and Cyber Alert app. 1 5
What Should You Confirm in At-Bay and Chubb Tech E&O Insurance Quotes?
- Ask whether At-Bay is quoting primary, excess or both, and whether Chubb's quote is the full DigiTech ERM. 5 1
- Ask both to name the insurer. At-Bay has quoted surplus-lines business on its own At-Bay Specialty Insurance Company since 2023, which means no state guaranty-fund backing. 1 3 6
- Read the actual contract, warranty, copyright and delay wording, not the marketing highlights. 1 5
- Ask whether Chubb's cyber tools require the full ERM package. 1 5
At-Bay vs Chubb Tech E&O Insurance Compared
At-Bay vs Chubb: Tech E&O Insurance: documented features by provider
| Criteria | At-Bay Tech E&O Insurance | Chubb DigiTech ERM (Technology Errors & Omissions) |
|---|---|---|
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | 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 | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements 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. |
| Role in This Line | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote. | 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. |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | 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." |
