Chubb vs Embroker: How Do They Compare for Professional Liability (E&O) Insurance?

Embroker sells standalone E&O with an online quote and a choice of deductible styles. Chubb folds professional, media and cyber cover into one Pro ERM policy that agents and brokers quote.

Chubb’s Pro ERM combines E&O with cyber and personal-injury coverage; Embroker excludes both exposures from its E&O policy. ^1,³

What Are the Key Differences Between Chubb and Embroker Professional Liability (E&O) Insurance?

Defense Costs

Chubb says Pro ERM covers 100% of defense costs for covered claims worldwide. ¹ Embroker offers an aggregate deductible or a first-dollar-defense option that applies the deductible to damages rather than legal costs. ³ Ask how defense payments affect the total available limit under each quote.

Combined Policy Versus Separate Cyber Coverage

Chubb combines professional liability, media and cyber exposures in Pro ERM for non-licensed professional-services firms. ¹ Embroker sells E&O as a standalone policy and says cyberattacks, data breaches and personal injury need other coverage. ³ Choose Chubb if the combined structure fits; choose Embroker if you want standalone E&O and will address cyber separately.

What Should You Confirm in Chubb and Embroker Professional Liability (E&O) Insurance Quotes?

Ask Chubb for Pro ERM's liability limit and confirm its defense-cost treatment. ¹
Compare Embroker's aggregate-deductible and first-dollar-defense options and their effect on legal costs. ³
Confirm whether you need separate cyber coverage with each option and compare total premium. ¹ ³
Request the insurer and policy wording for Embroker's placement. ³

Chubb vs Embroker Professional Liability (E&O) Insurance Compared

Chubb vs Embroker: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Chubb Pro ERM (Professional Enterprise Risk Management)	Embroker Professional Liability Insurance
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. ¹Company-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. ³Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.
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. ¹Company-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. ³Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ¹Company-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. ³Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.
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. ¹Company-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. ³Company-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). ³Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.
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. ¹Company-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. ³Company-reported. Product-page description; not a statement about the issuing insurer.