--- title: "Chubb vs Corgi: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "chubb-vs-corgi" provider-a: "chubb" provider-b: "corgi" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and Corgi for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Chubb versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs Corgi for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Chubb or Corgi? - What does Chubb or Corgi publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Chubb and Corgi. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile # 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 claims and late or failed delivery; Corgi sells startup Tech E&O online instantly but its base form excludes contract, IP and AI claims unless you add endorsements. ## Chubb vs Corgi Tech E&O Insurance Summary 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ## 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. [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting..) [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### Limits 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ### 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ## 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") - Ask Chubb for DigiTech ERM limits and retention. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") - Check whether defense costs reduce the limit on both quotes; Corgi's illustration says they do. [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ## Chubb vs Corgi Tech E&O Insurance Compared | 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Tech E&O product page and homepage package contents; package composition may change..) | ## About Chubb and Corgi and Tech E&O Insurance - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Chubb vs Corgi Tech E&O Insurance - [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions) - [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) ## Sources for Chubb vs Corgi Tech E&O Insurance ### Sources About Chubb 1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 2. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23. 3. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23. ### Sources About Corgi 4. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23. 5. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)