Chubb vs Coalition Tech E&O Insurance

Chubb underwrites DigiTech ERM as a combined tech E&O, media and cyber policy; Coalition sells Tech E&O only with Active Cyber through brokers.

What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. ^1,^2,³

Read the Chubb profile

What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. ^5,^6,^7,⁸

Read the Coalition profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Who Underwrites

Chubb underwrites DigiTech ERM as one policy that combines tech E&O with media and cyber rather than selling tech E&O standalone. Coalition designs and distributes Tech E&O as coverage that combines with its own cyber policy, sold through appointed brokers. ³ ⁵

Coalition’s disclaimer lists named carriers for admitted and non-admitted cyber and for admitted executive risk, and has no equivalent Admitted Tech E&O section. Chubb underwrites DigiTech ERM. ⁹ ³

How You Buy

Agents and brokers can quote DigiTech ERM through Chubb’s Cyber Central or Marketplace. Coalition directs interested buyers to a consultation or an appointed broker and does not sell Tech E&O direct to buyers. ¹ ⁵

Third-Party Financial Injury

Chubb says DigiTech ERM adds coverage for third-party financial injury from the insured’s products or services. Coalition says Tech E&O covers third-party financial losses from errors, omissions or negligence in technology products or services. For a buyer, both are describing a client money-loss claim against the technology company. ³ ⁵

Chubb also states there is no exclusion for delays or failure to deliver. Coalition lists delivery delays and failure to meet contract requirements among example causes. Those are matching points about delay, not a full inventory of either form. ³ ⁵

Services Tied to the Policy

DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a 24/7 hotline and Cyber Alert app. Coalition says Tech E&O policyholders get Coalition Control at no extra cost. Both attach a service layer to the Tech E&O purchase. ³ ⁵ ¹⁰

What to Confirm in Tech E&O Insurance Quotes

Ask Coalition which insurer issues Tech E&O; the disclaimer does not name Tech E&O carriers. ⁹
Ask Chubb for DigiTech ERM limits and retentions; the reviewed sources omit amounts. ³
Check whether Coalition’s quote is bound only with Active Cyber. ⁵
Compare delay wording on both specimens. ³ ⁵

Offering Details

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

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Coalition Technology Errors & Omissions 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. ³Company-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. ⁵Company-reported. Tech E&O product page as read on 2026-09-23.
Issuing Insurer	Not described in the reviewed sources.	Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. ⁹Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy.
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.	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. ⁵Company-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. ³Company-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. ⁵Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
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.	Not described in the reviewed sources.
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."	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. ^5,¹⁰Company-reported. Tech E&O and Coalition Control pages 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. ^3,¹Company-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. ⁵Company-reported. Tech E&O product page as read on 2026-09-23.
Claims Support	Not described in the reviewed sources.	Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. ⁵Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.

Full Comparison

More Chubb vs Coalition 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.

Coalition

Tech E&O Insurance Coverage. Coalition; Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list. Accessed 2026-09-23.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.
Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.

Tech E&O Insurance Guide

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.
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.