Chubb vs Gallagher Tech E&O Insurance

Chubb underwrites DigiTech ERM; Gallagher’s technology practice places E&O with outside carriers and layers brokerage analytics tools.

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

Read the Chubb profile

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^5,^6,^7,^8,⁹

Read the Gallagher profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Placement Versus Underwriting

Gallagher’s Technology insurance practice places technology E&O with outside carriers and does not underwrite the policy. Chubb underwrites DigiTech ERM, combining tech E&O with media and cyber. Gallagher’s reviewed sources do not name the issuing insurer for a given client. ⁵ ³

How Each Side Describes E&O With Cyber

Gallagher markets technology E&O as combining professional-services E&O with cyber liability. Chubb’s DigiTech ERM is a Chubb-underwritten policy that combines tech E&O with media and cyber. Gallagher is describing how it places the line; Chubb is describing a policy it underwrites. The Gallagher wording on a bound policy depends on the carrier in that placement. ⁵ ³

Services Around the Placement

Gallagher offers Drive analytics, Go self-service, STEP training, Submit tracking and Verify certificates to technology clients. DigiTech ERM insureds get Chubb’s incident-response panel, 24/7 hotline and Cyber Alert app. Gallagher’s tools are described as client services of the brokerage practice; Chubb’s are described as DigiTech ERM policyholder services. ⁵ ³

How You Quote

Agents and brokers can quote DigiTech ERM through Chubb’s Cyber Central or Marketplace. Gallagher’s reviewed technology sources do not describe a quoting platform for this line. ¹ ⁵

What to Confirm in Tech E&O Insurance Quotes

Ask Gallagher which markets it is approaching and which insurer would issue the policy. ⁵
Get limits from both quotes; Gallagher and Chubb reviewed sources omit amounts. ⁵ ³
Compare the placed Gallagher form with DigiTech ERM’s delay and copyright statements. ³
Confirm who handles incident response on each quote. ⁵ ³

Offering Details

Chubb vs Gallagher Tech E&O Insurance: documented features by provider

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
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. ³Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁵Company-reported. Group-level technology industry practice page.
Issuing Insurer	Not described in the reviewed sources.	The technology industry practice page does not name the insurer that would issue a given client's technology E&O policy. ⁵Not publicly disclosed. Checked the group-level technology industry practice page.
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. ³Company-reported. DigiTech ERM Target Clients list.	Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. ⁵Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified.
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. ³Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ⁵Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
Limits and Retentions	The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. ³Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23.	The technology industry practice page does not publish limits, retentions or premium ranges for technology E&O. ⁵Not publicly disclosed. Checked the group-level technology industry practice page.
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. ³Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."	Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. ⁵Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. ⁵Company-reported. Group-level technology industry practice page.
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. ^3,¹Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list.	Not described in the reviewed sources.

Full Comparison

More Chubb vs Gallagher Comparisons

Other Tech E&O Insurance Comparisons

Sources

Chubb

Insurance for Technology Companies. Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
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; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
Insurance for Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.

Gallagher

Technology Insurance for the Tech Industry. Gallagher; Solutions and coverages for the technology industry: Technology errors and omissions, including cyber liability; 250+ dedicated professionals, 7,500+ technology and telecommunications clients, $1B+ in annual premium; digital suite (Gallagher Drive, Go, STEP, Submit, Verify); Meet the Technology Insurance leaders. Accessed 2026-09-23.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.