---
title: "Chubb vs Gallagher: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-gallagher"
provider-a: "chubb"
provider-b: "gallagher"
coverage-line: "technology-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Gallagher for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Chubb versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Gallagher for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Chubb or Gallagher?
- What does Chubb or Gallagher publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Chubb and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 Tech E&O, media and cyber together in DigiTech ERM with its own incident-response panel, while Gallagher's technology practice shops E&O-plus-cyber across insurers and adds brokerage analytics tools.

## Chubb vs Gallagher Tech E&O Insurance Summary

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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies")

### 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry")
- Get limits from both; neither publishes them. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Compare the Gallagher-placed form with DigiTech ERM's delay and copyright wording. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask who handles incident response on the Gallagher placement. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## Chubb vs Gallagher Tech E&O Insurance Compared

| 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page; not confirmed as included with every tech E&O placement..)<br><br>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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance for the Tech Industry") (Evidence: Company-reported; scope: Group-level technology industry practice page..) |

## About Chubb and Gallagher and Tech E&O Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Chubb vs Gallagher Tech E&O Insurance

- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions)
- [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions)

## Sources for Chubb vs Gallagher Tech E&O Insurance

### Sources About Chubb

1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
2. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.
3. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.

### Sources About Gallagher

4. [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/). 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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)