Chubb vs Coalition: How Do They Compare for Tech E&O Insurance?

Two bundles with cyber, two routes in: Coalition pairs Tech E&O with Active Cyber and sells through appointed brokers or a consultation, while Chubb's DigiTech ERM adds media liability and is quoted on its agent platforms.

Both tie Tech E&O to cyber. Chubb's DigiTech ERM puts Tech E&O, media and cyber on one insurer's policy, states no exclusion for delays or failure to deliver, and adds a 24/7 hotline; Coalition sells Tech E&O only with Active Cyber, plus free Coalition Control monitoring. ^1,^3,⁴

What Are the Key Differences Between Chubb and Coalition Tech E&O Insurance?

One Chubb Policy With Media vs Tech E&O Tied to Coalition Cyber

Chubb underwrites DigiTech ERM as one policy combining Tech E&O with media and cyber, and agents and brokers can quote it through Chubb's Cyber Central or Marketplace. Coalition sells Tech E&O only alongside its Active Cyber Insurance, through appointed brokers or a consultation, never direct or standalone. Choose Chubb if you also need media liability or want a known insurer on the whole policy; choose Coalition if you want its security monitoring built in. ¹ ³ ⁴

No Delay Exclusion vs Delays Listed as a Covered Cause

Both cover client financial losses caused by your technology. Chubb states DigiTech ERM has no exclusion for delays or failure to deliver. Coalition lists delivery delays and failure to meet contract requirements among example causes of covered claims. If a late launch could trigger a customer claim, both address it; compare the actual wording. ¹ ⁴

24/7 Hotline and Cyber Alert App vs Coalition Control

DigiTech ERM policyholders get Chubb's cyber services, including a 24/7 hotline and the Cyber Alert app. Coalition gives Tech E&O policyholders Coalition Control at no extra cost. ¹ ⁴ ⁶

What Should You Confirm in Chubb and Coalition Tech E&O Insurance Quotes?

Ask Coalition which insurer issues its Tech E&O; its disclosures name insurers for cyber and executive risk but not Tech E&O. ⁵
Ask Chubb for DigiTech ERM limits and retentions; neither publishes amounts. ¹
Confirm Coalition's quote binds Tech E&O together with Active Cyber. ⁴
Compare delay and failure-to-deliver wording on both forms. ¹ ⁴

Chubb vs Coalition Tech E&O Insurance Compared

Chubb vs Coalition: Tech E&O Insurance: documented features by provider

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Coalition Technology Errors & Omissions Coverage
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. ¹Company-reported. DigiTech ERM Target Clients list.	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ⁴Company-reported. Tech E&O product page as read on 2026-09-23.
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. ^1,³Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list.	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ⁴Company-reported. Tech E&O product page as read on 2026-09-23.
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. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ⁴Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
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. ¹Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section.	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ⁴Company-reported. Tech E&O product page as read on 2026-09-23.
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. ¹Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."	Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. ^4,⁶Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.