CFC vs 
Chubb: How Do They Compare for Professional Liability (E&O) Insurance?
CFC publishes E&O limits up to $10 million with optional general liability, property and cyber add-ons. Chubb Pro ERM bundles professional, media and cyber cover for non-licensed professional-services firms of any size.
CFC publishes E&O limits up to $10 million and offers general liability, property and cyber as add-ons; Chubb Pro ERM targets non-licensed firms and covers defense costs worldwide. 1,2,4
What Are the Key Differences Between CFC and Chubb Professional Liability (E&O) Insurance?
Buy E&O Alone or Add Other Lines
CFC’s Professional Services E&O starts with E&O and offers general liability, property and cyber separately. Chubb’s Pro ERM combines professional liability with media and cyber exposures in one policy. If you do not want cyber with your E&O, ask CFC for the standalone price; if you want a combined policy, ask Chubb how the limits apply. 2 4
Check Whether Your Profession Fits
CFC favors business, HR and market-research consultants, event organizers and trade associations, while declining professions including insurance agents, lawyers, financial advisors and mortgage brokers. Chubb targets non-licensed professional firms such as associations, consultants, event planners and marketing businesses. An insurance agent should check CFC’s declined list; a licensed professional should confirm Chubb eligibility. 2 4
Limits and Defense Costs
CFC publishes an E&O maximum of $10 million and minimum premium figures. Chubb says Pro ERM covers 100% of defense costs worldwide but does not publish a separate liability limit. Ask for the limit available to your firm and how defense costs reduce it. 2 4
What Should You Confirm in CFC and Chubb Professional Liability (E&O) Insurance Quotes?
- Ask CFC whether your profession is favored or declined and what limit is available. 2
- Ask Chubb for the actual liability limit and retention that apply with its defense-cost provision. 4
- Confirm whether CFC’s liability, property and cyber layers are included or priced separately. 2
- Get the issuing insurer and actual terms from both. 1 4
CFC vs Chubb Professional Liability (E&O) Insurance Compared
CFC vs Chubb: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CFC Professional Services | Chubb Pro ERM (Professional Enterprise Risk Management) |
|---|---|---|
| Limits and Retentions | CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. 2Company-reported. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting. | 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. 4Company-reported. Pro ERM Product Features list. |
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. 4Company-reported. Pro ERM Target Clients list. |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. 1Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole. | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 4Company-reported. Cyber Insurance Coverage & Products page quoting section. |
| Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. 2Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. 2Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting. | 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. 4Company-reported. Pro ERM Product Features list; subject to the policy as issued. |
| Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. 1,2Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure. | 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. 4Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. |
