Chubb vs Gallagher: How Do They Compare for Tech E&O Insurance?

Gallagher does not underwrite: it places Tech E&O with outside carriers for tech clients. Chubb underwrites its own DigiTech ERM, which merges Tech E&O with media and cyber exposures.

Chubb insures DigiTech ERM itself, one policy combining Tech E&O, media and cyber, with a 24/7 incident hotline and response panel. Gallagher's technology practice shops E&O with cyber across outside insurers and adds its own analytics, training and certificate tools. ^1,^3,⁴

What Are the Key Differences Between Chubb and Gallagher Tech E&O Insurance?

One Insurer's Combined Policy vs a Broker Who Shops

Chubb writes DigiTech ERM itself, combining Tech E&O with media and cyber; agents and brokers quote it through Chubb's Cyber Central or Marketplace. Gallagher's technology practice places E&O combined with cyber from outside insurers it doesn't name, so the wording you get depends on the insurer it picks. Choose Chubb if you want a known form and insurer; choose Gallagher if you want a broker to compare several insurers' E&O-plus-cyber forms. ⁴ ¹ ³

Incident Response vs Brokerage Tools

DigiTech ERM policyholders get Chubb's incident-response panel, a 24/7 hotline and the Cyber Alert app. Gallagher gives technology clients Drive analytics, Go self-service, STEP training, Submit tracking and Verify certificates, but incident response comes from whichever insurer it places. ⁴ ¹

What Should You Confirm in Chubb and Gallagher Tech E&O Insurance Quotes?

Ask Gallagher which insurers it's approaching and which would issue the policy. ⁴
Get limits from both; neither publishes them. ⁴ ¹
Compare the Gallagher-placed form with DigiTech ERM's delay and copyright wording. ¹
Ask who handles incident response on the Gallagher placement. ⁴ ¹

Chubb vs Gallagher Tech E&O Insurance Compared

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
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.	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. ⁴Company-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. ¹Company-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. ⁴Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
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.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ⁴Company-reported. 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. ¹Company-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. ⁴Company-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. ⁴Company-reported. Group-level technology industry practice page.