---
title: "CFC vs Chubb: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-chubb/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-chubb"
provider-a: "cfc"
provider-b: "chubb"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-chubb/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of CFC 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 CFC versus Chubb. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Chubb for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, CFC or Chubb?
- What does CFC or Chubb publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: CFC 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 2026-09-29.

**Related pages:**
- [CFC vs Chubb](https://spot.insure/compare/cfc-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
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile

# 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.

Businesses seeking E&O limits up to $10 million with optional general liability, property or cyber can consider CFC; non-licensed firms can consider Chubb Pro ERM’s worldwide defense-cost coverage.

## CFC vs Chubb Professional Liability (E&O) Insurance Summary

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](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## 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](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### 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](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### 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](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## 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](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Ask Chubb for the actual liability limit and retention that apply with its defense-cost provision. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Confirm whether CFC’s liability, property and cyber layers are included or priced separately. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Get the issuing insurer and actual terms from both. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## CFC vs Chubb Professional Liability (E&O) Insurance Compared

| 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [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..) |
| 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [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 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. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: 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. [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 | 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)<br><br>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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [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 | 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](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [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 CFC and Chubb and Professional Liability (E&O) Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Chubb Professional Liability (E&O) Insurance

- [CFC vs Chubb](https://spot.insure/compare/cfc-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.
- [CFC Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/cfc/professional-errors-omissions)
- [Chubb Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/chubb/professional-errors-omissions)

## Sources for CFC vs Chubb Professional Liability (E&O) Insurance

### Sources About CFC

1. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23.
2. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23.
3. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). 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 2026-09-29. 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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- [Markdown page](https://spot.insure/compare/cfc-vs-chubb/professional-errors-omissions.md)
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