--- title: "Beazley vs Chubb: Professional Liability (E&O) Insurance" description: "Chubb Pro ERM targets non-licensed professional-services firms and says it covers 100% of defense costs worldwide; Beazley MediaTech shares its aggregate across E&O, media and cyber." canonical: "https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-chubb" provider-a: "beazley" provider-b: "chubb" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Beazley and Chubb for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Beazley versus Chubb. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Chubb for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Beazley or Chubb? - What does Beazley or Chubb publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Beazley and Chubb. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile # Beazley vs Chubb: How Do They Compare for Professional Liability (E&O) Insurance? Both bundle professional liability with cyber and media, so class matters: Chubb's Pro ERM is available to non-licensed professional-services firms of all sizes, while Beazley's small-business MediaTech sample form excludes accountants, architects and lawyers. Non-licensed professional-services firms can consider Chubb Pro ERM’s stated full defense-cost coverage; qualifying buyers seeking E&O, media and cyber in one form can consider Beazley MediaTech. ## Beazley vs Chubb Professional Liability (E&O) Insurance Summary Chubb Pro ERM targets non-licensed professional-services firms and says it covers 100% of defense costs worldwide; Beazley MediaTech shares its aggregate across E&O, media and cyber. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") ## What Are the Key Differences Between Beazley and Chubb Professional Liability (E&O) Insurance? ### Does Your Profession Qualify? Chubb targets non-licensed firms such as associations, event planners, marketing businesses and staffing companies. Beazley’s MediaTech form instead excludes professions including accountants, architects, lawyers and civil or structural engineers from its E&O trigger. If your business is licensed, check Beazley’s definition; if not, confirm Chubb’s exact eligibility terms. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") ### Compare Defense Costs With Available Limits Chubb states that Pro ERM covers 100% of defense costs for covered claims worldwide: Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list..) Beazley’s sample form shares the policy aggregate across E&O, media and cyber unless declarations set a separate amount. Ask how defense costs affect the amount left for settlements and other claims under each quote. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") ### Legal and Claims Support Chubb says Pro ERM policyholders can access lawyers with professional-liability experience. Beazley describes a cyber and technology claims team that includes litigators and has handled E&O claims, software failures and IP disputes. Ask who will handle a professional-liability claim and what support is included. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") ## What Should You Confirm in Beazley and Chubb Professional Liability (E&O) Insurance Quotes? - Ask Chubb for your actual limit and retention; its page does not publish a separate limit. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Ask Beazley whether declarations provide a separate E&O limit or use the shared aggregate. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Confirm your profession fits Chubb’s Pro ERM eligibility and Beazley’s Professional Services definition. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Ask how defense costs and Optional Extension Period terms work in the actual policy. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") ## Beazley vs Chubb Professional Liability (E&O) Insurance Compared | Criteria | Beazley MediaTech for Small Businesses | Chubb Pro ERM (Professional Enterprise Risk Management) | | --- | --- | --- | | Limits and Retentions | Coverage is claims-made and reported: it responds only to claims first made and reported during the policy period (or a purchased Optional Extension Period), and defense costs reduce the available limit. A buyer can purchase an Optional Extension Period (a tail) for additional premium after non-renewal or cancellation. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Sample policy form F00731; application form repeats the same notice; specific tail pricing and duration are set in the declarations, not disclosed publicly..)

Unless the declarations list a separate amount, each insuring agreement in the sample form (including the professional-liability trigger) shares the same Policy Aggregate Limit of Liability with the policy's media and cyber coverages rather than carrying its own dedicated limit. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations..) | Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list..) | | How to Apply | Beazley's MediaTech application asks applicants to describe the professional and technology services they perform, disclose employee count and multi-year US and non-US revenue, and state whether written client contracts include scope-of-work, damages-cap and consequential-damages-disclaimer provisions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application form F00859, 042022 edition, General Information, Revenue Information and Contractual Controls sections; a completed application does not establish acceptance..) | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. [4](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 quoting section..) | | Coverage Features | The sample MediaTech form covers a Tech & Professional Services Wrongful Act: a negligent act, error, omission, misstatement or unintentional breach of contract in rendering Professional Services, defined as services performed for others for a fee. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, insuring agreements and definitions; the issued policy's wording and any endorsements control..)

The sample form's definition of Professional Services excludes services performed as an accountant, architect, surveyor, health care provider, lawyer, insurance or real estate agent or broker, or civil or structural engineer, so those licensed professions are not covered by this professional E&O trigger. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Professional Services definition; a business in one of these excluded professions would need different coverage even if it buys MediaTech..) | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list; subject to the policy as issued..) | | Role in This Line | Beazley sells professional errors and omissions coverage bundled inside MediaTech, a single small-business form that also includes technology E&O, media liability and cyber coverage. It is not sold as a standalone professional-liability policy for this segment. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech product page; does not address any larger-account professional liability program Beazley may write separately..) | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. [4](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, Professional Enterprise Risk Management section..) | ## About Beazley and Chubb and Professional Liability (E&O) Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for Beazley vs Chubb Professional Liability (E&O) - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Beazley Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/beazley/professional-errors-omissions) - [Chubb Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/chubb/professional-errors-omissions) ## Sources for Beazley vs Chubb Professional Liability (E&O) Insurance ### Sources About Beazley 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; SME placement paragraph; claims team paragraph. Accessed 2026-09-23. 2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; page 1 claims-made-and-reported notice and General Information; page 1-2 Revenue Information. Accessed 2026-09-23. 3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Media, Tech, Data & Network Liability insuring agreement; Definitions: Tech & Professional Services Wrongful Act, Professional Services; Limit of Liability and Coverage; Optional Extension Period. Accessed 2026-09-23. ### Sources About Chubb 4. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 5. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)