--- title: "Chubb vs Cowbell: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-cowbell/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-cowbell" provider-a: "chubb" provider-b: "cowbell" 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-cowbell/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and Cowbell 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 Cowbell. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs Cowbell for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Chubb or Cowbell? - What does Chubb or Cowbell publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Chubb and Cowbell. - 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 2026-09-25. **Related pages:** - [Chubb vs Cowbell](https://spot.insure/compare/chubb-vs-cowbell) — 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 - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile # 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’s DigiTech ERM adds media liability to Tech E&O and cyber in one policy, while Cowbell’s Prime Tech combines Tech E&O and cyber with published limits up to $5 million plus excess. ## Chubb vs Cowbell Tech E&O Insurance Summary 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") ## 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") ### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") ## What Should You Confirm in Chubb and Cowbell Tech E&O Insurance Quotes? - Ask Cowbell which insurer issues Prime Tech. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") - Get Chubb’s DigiTech limits and retention to compare with Cowbell’s $5 million plus excess. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Ask Cowbell whether your quoted form has any exclusions for guarantees, consequential damages or warranties. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") - Check Chubb’s delay and failure-to-deliver wording on the specimen. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## Chubb vs Cowbell Tech E&O Insurance Compared | 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. [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 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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](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..) | 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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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. [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..) | 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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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. [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..) | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [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 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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list..) | ## About Chubb and Cowbell and Tech E&O Insurance - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Chubb vs Cowbell Tech E&O Insurance - [Chubb vs Cowbell](https://spot.insure/compare/chubb-vs-cowbell): 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) - [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions) ## Sources for Chubb vs Cowbell 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 Cowbell 4. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). 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. 5. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. Accessed 2026-09-23. Updated 2026-09-25. 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-cowbell/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)