Chubb vs 
Embroker: How Do They Compare for Tech E&O Insurance?
Embroker sells its Tech E&O and cyber policy directly online as well as through brokers, and its broker program targets private tech firms under $300 million in revenue. Chubb's DigiTech ERM is quoted by agents and brokers on Chubb's platforms.
Chubb's DigiTech ERM combines tech E&O, media and cyber through an agent and states that it covers software copyright infringement; Embroker sells blended Tech E&O and cyber online to private tech firms under $300 million in revenue, with limits up to $5 million, but its pages disagree on whether IP is covered. 1,5,4
What Are the Key Differences Between Chubb and Embroker Tech E&O Insurance?
Clear Copyright Cover vs Conflicting IP Statements
Chubb underwrites DigiTech ERM, which combines tech E&O with media and cyber and states that it adds software copyright infringement. Embroker's retail page lists IP among exclusions, while its broker program lists software-code infringement as a feature. If you ship software and fear a copyright claim, Chubb's position is the clearer one; with Embroker, get the specimen form before you rely on either statement. Choose Chubb if IP cover matters and you have an agent; choose Embroker if you are a private tech firm under $300 million in revenue that wants to buy online. 1 4 5
Online and Broker Access vs Agent-Only
Embroker sells its blended Tech E&O and cyber policy directly to tech companies and through appointed brokers on Embroker Access, with limits up to $5 million. Its broker appetite is private, for-profit tech companies under $300 million in revenue; you need multifactor authentication above $5 million in revenue, and crypto, blockchain and cannabis are excluded. Chubb quotes DigiTech ERM through agents on Cyber Central or Marketplace and publishes no limits. 4 5 1 3
What Should You Confirm in Chubb and Embroker Tech E&O Insurance Quotes?
- Ask Embroker for the specimen form and check it against both its retail exclusion list and its broker-program infringement feature. 4 5
- Ask your agent for Chubb's DigiTech limits against Embroker's $5 million. 5 1
- If you need more than Embroker's primary limit, know that its excess will not sit above its own primary. 4
- Check Embroker's revenue, MFA and excluded-industry rules before applying. 5
Chubb vs Embroker Tech E&O Insurance Compared
Chubb vs Embroker: Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Embroker Technology Errors and Omissions / Cyber Insurance |
|---|---|---|
| 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. | Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. 5Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite. |
| 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. | Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. 4,5Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research. |
| 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. | Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. 4Company-reported. Retail product-page What's covered section; the issued policy and declarations control. |
| 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. | Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. 4,5Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer. |
