Chubb vs 
Cowbell: How Do They Compare for Tech E&O Insurance?
Cowbell Prime Tech has stated numbers: technology firms up to $1B in revenue, limits up to $5M, surplus lines in all 50 states, via agents. Chubb's DigiTech ERM adds media and cyber services like a 24/7 hotline.
Chubb writes DigiTech ERM itself, one policy covering tech E&O, media and cyber, with no published limits; Cowbell’s Prime Tech combines Tech E&O and cyber with limits up to $5 million and a matching excess layer, sold as surplus lines. Both cover delivery delays and software copyright. 1,4,5
What Are the Key Differences Between Chubb and Cowbell Tech E&O Insurance?
Media Liability Included vs Published $5 Million Limits
Chubb underwrites DigiTech ERM as one policy combining tech E&O with media and cyber, so content and advertising claims sit alongside your E&O. Cowbell’s Prime Tech combines Technology E&O with cyber, publishes limits up to $5 million, and adds Prime Tech Plus as a follow-form excess layer with its own limits up to $5 million. Chubb publishes no limits or retentions. Choose Chubb if you publish content or run a platform where media claims are likely and want Chubb itself on the policy; choose Cowbell if you want to see limits before quoting. 1 4 5
Delays and Copyright Covered on Both
Both say their forms cover software copyright disputes and have no exclusion for delays or failure to deliver. Cowbell adds that Prime Tech treats contract and warranty claims broadly. The quote wording decides the difference, so compare specimens side by side. 4 1
Chubb Agents vs Surplus Lines Through Agents
Chubb agents quote DigiTech ERM through Cyber Central or Chubb Marketplace. Cowbell sells Prime Tech through agents on a surplus-lines basis in all 50 states, meaning a non-admitted insurer outside state guaranty funds, and doesn’t name that insurer. 3 4
What Should You Confirm in Chubb and Cowbell Tech E&O Insurance Quotes?
- Ask Cowbell which insurer issues Prime Tech. 4
- Get Chubb’s DigiTech limits and retention to compare with Cowbell’s $5 million plus excess. 4 1
- Ask Cowbell whether your quoted form has any exclusions for guarantees, consequential damages or warranties. 4
- Check Chubb’s delay and failure-to-deliver wording on the specimen. 1
Chubb vs Cowbell Tech E&O Insurance Compared
Chubb vs Cowbell: Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| 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. | Cowbell targets Prime Tech and Prime Tech Plus at technology businesses with up to $1B in revenue, listing example segments such as SaaS/app service providers, IT consultants, data analytics, hardware resellers, and web design or web services firms. 4,5Company-reported. Risk Appetite sections of both PDFs. |
| 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. | Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. 4Company-reported. 'Prime Tech Coverage Benefits' list, first bullet. |
| 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. | Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. 4Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. 4Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. |
| 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. | Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. 4,5Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
| 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." | Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. 4Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list. |
