Chubb vs 
CNA: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Chubb?
Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. 1,2,3
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 5,6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 10,11,12,13
What Are the Key Differences Between Chubb and CNA Professional Liability (E&O) Insurance?
Professional-Service Classes
Chubb says Pro ERM is available to non-licensed professional-services firms and lists examples such as consultants, event planners, marketing and PR firms, printers, and staffing firms. CNA’s MPL target list includes consultants, staffing firms, advertising agencies, and event planners, while noting that the list is not a complete eligibility rule. A buyer in one of these fields can compare how each company describes its target class, then verify acceptance for the actual services. 3 8
E&O Product Grouping
Chubb describes Pro ERM as a single policy combining professional liability, media, and cyber exposures. 3 CNA’s Epack 3 brochure describes a modular combination of technology and professional liability with cyber and media. 9 CNA’s current cyber page separately describes EPS Plus as E&O with cyber for professional-services firms. 8 The published structures differ in how they group these lines; neither description supplies the terms of a buyer’s issued form.
What Should You Confirm in Chubb and CNA Professional Liability (E&O) Insurance Quotes?
Chubb and CNA Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Chubb Review Score
Review Score
5 rated sources
Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]
Read Chubb reviewsCNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsChubb vs CNA Professional Liability (E&O) Insurance Compared
Chubb vs CNA: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | CNA Professional and Technology Liability |
|---|---|---|
| Role in This Line | 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. 3Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. 8,9Company-reported. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording. |
| Who It’s For | 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. 3Company-reported. Pro ERM Target Clients list. | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. 8Company-reported. The listed classes are a target list, not a complete or guaranteed eligibility rule. |
| Coverage Features | 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. 3Company-reported. Pro ERM Product Features list; subject to the policy as issued. | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. 8Company-reported. The page is a summary and does not define covered services, contract exceptions or policy triggers. |
| Limits and Retentions | 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. 3Company-reported. Pro ERM Product Features list. | Confirm in your quote. |
| Risk Services | Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. 3Company-reported. Pro ERM Product Features list. | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. 8Company-reported. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 3Company-reported. Cyber Insurance Coverage & Products page quoting section. | Confirm in your quote. |
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Professional Liability (E&O) Insurance Pages for Chubb and CNA
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Sources for Chubb vs CNA Professional Liability (E&O) Insurance
Sources About Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. Chubb; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - Cyber Risk Solutions. CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. Accessed 2026-09-30.
- Epack 3 – Cyber, Media, Technology & Professional Liability. CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
