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

Buy from the carrier, or have a broker place it: Chubb underwrites DigiTech ERM, quoted by agents and brokers, while HUB International brokers technology E&O and directs prospects to a broker without an online quote.

Chubb's DigiTech ERM combines tech E&O, media and cyber for software, services and hardware firms, covering software copyright claims with no exclusion for late or failed delivery; HUB is a broker that places tech E&O with prior-acts and tail options through a practice insuring more than 5,000 tech companies. ^1,^4,⁵

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

Chubb's Combined Tech Form vs a Broker Shopping Your E&O

Chubb writes DigiTech ERM as one policy combining tech E&O, media and cyber, for software, technology-services and hardware firms including value-added resellers, system integrators, IT consultants and hardware distributors. It's quoted through Chubb's Cyber Central or Marketplace platforms. HUB is a broker that places tech E&O through its general E&O practice and a technology practice serving startups and established software, hardware and digital-media businesses; it says it insures more than 5,000 tech companies. You go through a HUB broker, with no online quote, and HUB doesn't name insurers. Neither publishes limits. Choose Chubb if you want one known form covering E&O, media and cyber; choose HUB if you want a broker to compare several insurers, possibly including Chubb. ⁴ ⁵ ¹ ³

Late-Delivery and Copyright Cover vs Prior Acts and Tail

Chubb's DigiTech ERM covers third-party financial injury, uses a broadened technology-incident definition, covers software copyright infringement and product-recall loss of use, and doesn't exclude delays or failure to deliver. That last point matters if your contracts carry delivery deadlines. HUB's general E&O page says policies typically cover defense, judgments, settlements and fines, and can include prior-acts cover back to a retroactive date and tail cover for claims reported after the policy ends. Chubb doesn't describe prior acts or tail. ⁴ ¹

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

Ask HUB for the retroactive date and tail options on the quoted form, and ask Chubb the same. ⁴
Get per-claim and aggregate limits from both. ⁴
Compare HUB's quoted wording with Chubb's delay and copyright terms. ¹
Ask HUB which insurers it will approach, and whether Chubb is one. ⁴

Chubb vs HUB International Tech E&O Insurance Compared

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

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	HUB International Technology Errors and Omissions 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.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁵Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
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. ^1,³Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁴Company-reported. Product-page call to action as read 2026-09-23.
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.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁴Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
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.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^4,⁵Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.