Chubb vs 
Embroker Professional Liability (E&O) Insurance
Chubb's Pro ERM adds personal injury and cyber coverage that Embroker's professional liability policy explicitly excludes.
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 Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 5,6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
Personal Injury Coverage Sits on Opposite Sides
Chubb's Pro ERM specifically adds personal injury coverage arising from professional services as one of its features. 3 Embroker's professional liability policy instead excludes personal injury, saying that exposure is handled by a general liability policy. 8
Cyber Exposure Comes Built In for One, Not the Other
Chubb's Pro ERM combines professional liability with cyber exposures in the same policy by default. 3 Embroker's professional liability policy instead excludes cyberattacks and data breaches, saying full protection needs a separate cyber policy. 8
How Defense Costs Are Structured
Chubb says Pro ERM covers 100% of defense costs for covered claims worldwide. 3 Embroker instead lets a buyer choose between an aggregate deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 8
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Confirm Chubb's actual liability limit for Pro ERM, since the reviewed page names defense-cost treatment but not a limit figure. 3
- Ask Embroker whether you'd choose an aggregate deductible or a first-dollar-defense option, since the two apply the deductible differently to legal costs. 8
- Ask whether a separate cyber policy is still needed alongside each option, since Chubb bundles cyber in and Embroker excludes it. 3 8
- Get the issuing insurer for Embroker's placement; the reviewed page names no carrier. 8
Offering Details
Chubb vs Embroker Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Embroker Professional Liability Insurance |
|---|---|---|
| Role in This Line | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. 3Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 8Company-reported. Product-page description; not a statement about the issuing insurer. |
| Who It’s For | Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. 3Company-reported. Pro ERM Target Clients list. | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. 8Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business. |
| Coverage Features | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. 3Company-reported. Pro ERM Product Features list; subject to the policy as issued. | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 8Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 8Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. |
| Limits and Retentions | Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. 3Company-reported. Pro ERM Product Features list. | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 8Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting. |
| Risk Services | Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. 3Company-reported. Pro ERM Product Features list. | Not described in the reviewed sources. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 3Company-reported. Cyber Insurance Coverage & Products page quoting section. | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 8Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. |
Full Comparison
More Chubb vs Embroker Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- 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; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
