---
title: "Chubb vs Heffernan Insurance Brokers: Professional Liability (E&O) Insurance"
description: "Non-licensed consultants, event planners and staffing firms can consider Chubb’s combined Pro ERM; Heffernan serves broader small-business industries through custom packages."
canonical: "https://spot.insure/compare/chubb-vs-heffernan/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-heffernan"
provider-a: "chubb"
provider-b: "heffernan"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Chubb and Heffernan Insurance Brokers for Professional Liability (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 Professional Liability (E&O) Insurance questions about Chubb versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Chubb and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/chubb-vs-heffernan) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# Chubb vs Heffernan Insurance Brokers: How Do They Compare for Professional Liability (E&O) Insurance?

Chubb underwrites Pro ERM for non-licensed professional-services firms of every size. Heffernan Insurance Brokers runs a small-business division that shops E&O with insurers for sole proprietors up through fast-growing companies.

Chubb’s Pro ERM bundles E&O, media and cyber for non-licensed firms; Heffernan customizes small-business packages across industries.

## Chubb vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance Summary

Non-licensed consultants, event planners and staffing firms can consider Chubb’s combined Pro ERM; Heffernan serves broader small-business industries through custom packages. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## What Are the Key Differences Between Chubb and Heffernan Insurance Brokers Professional Liability (E&O) Insurance?

### What the Policy Describes

Chubb lists personal-injury coverage tied to professional services, independent-contractor coverage, additional-insured status when contracts require it and disciplinary-proceedings defense. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Heffernan's reviewed page describes financial-loss claims tied to product or service problems but does not list comparable E&O features. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") Ask Heffernan for the policy form and exclusions.

### Combined Policy Versus Custom Brokerage

Chubb offers Pro ERM as one policy combining professional liability, media and cyber for non-licensed firms. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Heffernan shops E&O with insurers and says it will build a custom package for industries outside its published list. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") Choose Chubb if its named business types and combined structure fit; choose Heffernan if you need a broker to build around a different industry.

## What Should You Confirm in Chubb and Heffernan Insurance Brokers Professional Liability (E&O) Insurance Quotes?

- Ask Chubb for Pro ERM's limit and retention; its reviewed page states 100% worldwide defense costs but no separate limit. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask Heffernan which insurer would issue E&O and what limits it offers. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Confirm whether your services meet Chubb's non-licensed eligibility. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask Heffernan whether your industry is listed or needs a custom package and how that affects timing. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## Chubb vs Heffernan Insurance Brokers Professional Liability (E&O) Compared

| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Heffernan Professional Errors and Omissions Brokerage |
| --- | --- | --- |
| 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Target Clients list..) | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage..) |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. [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 quoting section..) | Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23..) |
| 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list; subject to the policy as issued..) | Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements..) |
| 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. [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, Professional Enterprise Risk Management section..) | Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found..) |

## About Chubb and Heffernan Insurance Brokers

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Chubb vs Heffernan Insurance Brokers

- [Chubb vs Heffernan Insurance Brokers](https://spot.insure/compare/chubb-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Chubb Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/chubb/professional-errors-omissions)
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions)

## Sources for Chubb vs Heffernan Insurance Brokers

### Sources About Chubb

1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Professional 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; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

3. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. 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.

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