Chubb vs 
Corgi: How Do They Compare for Tech E&O Insurance?
Corgi quotes and binds Tech E&O online, with illustrative limits up to $1 million. Chubb's DigiTech ERM is quoted by agents and brokers and covers software copyright infringement and product-recall loss of use.
Chubb's DigiTech ERM covers software copyright infringement and has no exclusion for late or failed delivery, sold through agents. Corgi lets startups buy Tech E&O online instantly, with illustrative $1 million/$2 million limits, but its base form excludes contract, IP and AI claims unless you add endorsements. 1,4
What Are the Key Differences Between Chubb and Corgi Tech E&O Insurance?
What the Standard Form Leaves Out
Chubb writes DigiTech ERM with tech E&O for third-party financial injury, software copyright infringement and product-recall loss of use, and says there's no exclusion for delays or failure to deliver. Corgi's standard policy excludes claims arising solely from breach of contract or SLA failure, IP infringement, data-breach liability and AI-related claims, with endorsements available for some of those gaps. Choose Chubb if copyright, missed deadlines or failed deliveries are your main exposure; choose Corgi if you're an early-stage startup that wants to buy online today and add only the endorsements you need.
The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. 4Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.
1Limits and How You Buy
Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, and defense costs reduce the limit. Chubb doesn't publish DigiTech limits or retentions. Corgi sells Tech E&O as an instant online quote and bundles it into startup packages; agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace. 4 5 1 3
Services Beside the Policy
DigiTech ERM policyholders get Chubb's cyber-services panel, a 24/7 hotline and the Cyber Alert app. Corgi doesn't describe risk-management services for Tech E&O beyond glossary and FAQ content. 1 4
What Should You Confirm in Chubb and Corgi Tech E&O Insurance Quotes?
- Ask Corgi which endorsements are on your quote, especially IP, contract/SLA, AI and data-breach liability. 4
- Ask Chubb for DigiTech ERM limits and retention. 1
- Ask Corgi which insurer issues your policy. It mainly uses Technology Risk Retention Group, a member-owned insurer; if your contracts require a rated standard (admitted) insurer, ask for its AM Best-rated partner option. Chubb writes DigiTech itself. 4
- Check whether defense costs reduce the limit on both quotes; Corgi's illustration says they do. 4
Chubb vs Corgi Tech E&O Insurance Compared
Chubb vs Corgi: Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Corgi Tech E&O |
|---|---|---|
| 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. | Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. 5Company-reported. Homepage policy-card labeling as of 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. | The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. 4Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger. The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. 4Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting. |
| 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. | Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. 4,5Company-reported. Tech E&O product page and homepage package contents; package composition may change. |
