Chubb vs 
Founder Shield: How Do They Compare for Professional Liability (E&O) Insurance?
What Are the Key Differences Between Chubb and Founder Shield Professional Liability (E&O) Insurance?
Compare the Insurer Standard and the Policy Bundle
Founder Shield says it places E&O with insurers rated A- or better by AM Best and selects them for the client's industry. That gives you a published minimum to use when reviewing a quote; ask which insurer would issue your policy. 5
Chubb names itself as the Pro ERM underwriter but does not publish a comparable rating floor on the reviewed page. Its product combines professional liability with media and cyber in one policy. 1
Check How Related Claims Are Packaged
Chubb includes media and cyber exposures in Pro ERM by default. Founder Shield says its E&O is often packaged with technology E&O and cyber as related but separate placements. If you want one form, review Chubb's terms; if you compare separate policies, check each limit and how the policies respond to the same incident. 1 3
Disciplinary Defense Is Listed by Both
Chubb includes professional disciplinary-proceedings coverage as a policy feature. Founder Shield says its E&O defends against disciplinary or regulatory proceedings. Compare the scope and limits in the quotes if a licensing or regulatory action is a concern. 1 3
What Should You Confirm in Chubb and Founder Shield Professional Liability (E&O) Insurance Quotes?
- Ask Founder Shield which insurer would issue your policy and confirm its current AM Best rating. 5
- Confirm Chubb's Pro ERM liability limit; the reviewed page does not publish a figure. 1
- Compare whether media, technology E&O and cyber are on one policy or separate policies, including their limits and total cost. 1 3
Chubb vs Founder Shield Professional Liability (E&O) Compared
Chubb vs Founder Shield: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Founder Shield Errors & Omissions Insurance |
|---|---|---|
| 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. | Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. 3Company-reported. Errors & Omissions Insurance product page. |
| 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. | You request Founder Shield Errors & Omissions Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. 4,5Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. |
| 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. | Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost-earnings coverage, and claims from errors by employees or contractors as what E&O responds to. 3Company-reported. Product page; the issued policy and declarations control actual coverage. |
| 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. | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Errors & Omissions Insurance with third-party carriers rather than underwriting the policy itself. 4Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. Founder Shield says E&O (professional liability) is often packaged with technology E&O and cyber coverage since the two types of claims tend to intertwine. 3Company-reported. Errors & Omissions Insurance product page. |
