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 Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. 9,10,11,12,13,14,15
Key Differences in Tech E&O Insurance
Integrated cyber policy or modular combinations
Chubb underwrites DigiTech ERM as one policy combining Tech E&O with media and cyber, while CNA describes Epack 3 and EPS Plus as modular combinations for technology or professional-service buyers. Chubb names an integrated policy; CNA describes selectable modules. If you want cyber and professional liability together, ask which CNA pieces are selected and compare their combined schedule with DigiTech ERM’s declarations. 3 8
Technology product and service allegations
Chubb says DigiTech ERM adds third-party financial injury from technology products or services, software copyright infringement, product-recall loss of use and no delay-or-failure-to-deliver exclusion. CNA says Technology E&O addresses contractual requirements and seeks to reduce gaps, without comparable specific grants in the reviewed claims. Those differences matter where contracts promise delivery or products can fail. Ask for each policy’s wording on delay, software IP and product recall rather than relying on program descriptions. 3 8
What to Confirm in Tech E&O Insurance Quotes
Review Scores
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
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
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 reviewsOffering Details
Chubb vs CNA: Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | CNA Technology Errors & Omissions |
|---|---|---|
| Role in This Line | 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. 3Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. | Confirm in your quote. |
| Who It’s For | Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. 3Company-reported. DigiTech ERM Target Clients list. | CNA describes Technology E&O for technology businesses. 8Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Coverage Features | 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. 3Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. | CNA says its technology E&O addresses contractual requirements and seeks to reduce coverage gaps. 8Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Limits and Retentions | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. 3Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. | Confirm in your quote. |
| Risk Services | 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. 3Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." | CNA identifies responsive claims support and privacy/data-protection risk-control resources for technology clients. 8Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| How to Apply | 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. 3,1Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list. | Confirm in your quote. |
Full Comparison
More Chubb vs CNA Comparisons
Other Tech E&O Insurance Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
- 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; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.
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 Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
Tech E&O Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
- Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.
