Chubb vs 
Cowbell Tech E&O Insurance
Chubb underwrites DigiTech ERM; Cowbell’s Prime Tech is surplus-lines Tech E&O/cyber with published limits up to $5 million.
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
What Is Cowbell Insurance?
Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. 5,6,7
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. 9,10,11
Key Differences in Tech E&O Insurance
Surplus Prime Tech Versus Chubb DigiTech
Cowbell markets Prime Tech as a non-admitted product combining Technology E&O with cyber, with Prime Tech Plus as follow-form excess. Chubb underwrites DigiTech ERM as a single policy combining tech E&O with media and cyber. Cowbell’s reviewed sources do not name the issuing insurer; Chubb underwrites DigiTech ERM. 6 8 3
Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states through agents. Chubb quotes DigiTech ERM through agents on Cyber Central or Marketplace. Both are agent paths; Cowbell states surplus-lines status in all 50 states. 6 1
Limits
Cowbell states Prime Tech and Prime Tech Plus each offer limits up to $5 million. Chubb’s reviewed sources do not publish DigiTech ERM limit or retention amounts. A buyer comparing public figures has a $5 million Cowbell number and no matching DigiTech number until the quote. 6 3
Delay and Copyright
Cowbell says Prime Tech covers delay in delivery and software copyright disputes, and that it has no exclusion for delays in the sense of expansive contract and warranty treatment. Chubb says DigiTech ERM adds software copyright infringement and has no exclusion for delays or failure to deliver. Both speak to delay and copyright; the quote still has to show the actual wording. 6 3
What to Confirm in Tech E&O Insurance Quotes
- Get Cowbell’s named surplus-lines insurer on the quote. 6
- Compare Cowbell’s $5 million primary (and optional excess) with Chubb’s unpublished DigiTech limits. 6 3
- Ask whether Cowbell’s quoted form really has no exclusions for guarantees, consequential damages or warranties. 6
- Confirm Chubb’s delay and failure-to-deliver language on the specimen. 3
Offering Details
Chubb vs Cowbell Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| 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. | 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. 6,8Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
| Issuing Insurer | Not described in the reviewed sources. | Neither reviewed PDF names the specific issuing insurer for Prime Tech or Prime Tech Plus; both state coverage, terms and availability vary by state and are subject to underwriting approval without naming a carrier. 6,8Not publicly disclosed. Disclaimer paragraphs of both PDFs, read on 2026-09-23. |
| 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. | 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. 6,8Company-reported. Risk Appetite sections of both PDFs. |
| 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. | 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. 6Company-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. 6Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. |
| 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. | Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. 6,8Company-reported. Product 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. 3Company-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. 6Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list. |
| 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. | 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. 6Company-reported. 'Prime Tech Coverage Benefits' list, first bullet. |
Full Comparison
More Chubb vs Cowbell 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.
Cowbell
- Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
- Prime Tech Product Overview. Cowbell; Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs). Accessed 2026-09-23.
- Small And Midsize Business Management Liability. Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; modular suite: D&O, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability and Crime modules; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets; access and target-account FAQs. Accessed 2026-09-16.
- Prime Tech Plus Product Overview. Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. 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.
