Chubb vs 
Marsh Professional Liability (E&O) Insurance
Chubb underwrites a bundled E&O, media and cyber policy for non-licensed firms; Marsh brokers professional liability for specialized industries.
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
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 5,6,7,8
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
Who Issues the Policy
Chubb underwrites Pro ERM itself, bundling professional liability with media and cyber cover into one policy. Marsh, including its Marsh McLennan Agency division, places professional liability coverage with outside insurers rather than underwriting it, and the reviewed pages do not name a specific insurer for either brokerage's placements. 3 9
Industry Focus
Chubb targets Pro ERM at a defined set of non-licensed professional-services buyers: consultants, event planners, design and marketing firms, staffing firms, printers, travel agents and trustees. Marsh's professional liability practice instead names specialized industries it serves, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 3 9
Built-In Cyber Versus Case-by-Case Overlap
Chubb's Pro ERM already bundles cyber exposures into the same policy as professional liability and media. Marsh says many of the professional liability policies it places also cover privacy violations and computer security breaches, but that overlap depends on the specific policy Marsh places for a client rather than a standard feature of every professional liability placement. 3 9
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Marsh which insurer it's proposing to place your professional liability policy with, since neither reviewed page names one. 9
- Ask Chubb for the Pro ERM liability limit and retention beyond its stated 100% worldwide defense-cost coverage. 3
- Confirm whether the specific policy Marsh proposes includes privacy or computer-security cover, since the reviewed page describes that as common but not universal. 9
- Ask whether your business fits Chubb's non-licensed professional-services eligibility criteria or would need Marsh's broader-industry placement instead. 3
Offering Details
Chubb vs Marsh Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Marsh Professional Liability Insurance Brokerage |
|---|---|---|
| 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. 3Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section. | Marsh's financial and professional liability practice places professional liability (errors and omissions) insurance; MMA also places E&O coverage within its executive and professional liability practice for middle-market clients. 9,10Company-reported. Marsh professional liability page and MMA executive and professional liability page. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed pages do not name a specific professional liability insurer. 9,10Not publicly disclosed. Marsh professional liability page and MMA executive and professional liability page as read on 2026-09-23. |
| 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. 3Company-reported. Pro ERM Target Clients list. | Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 9Company-reported. Marsh professional liability page, What We Offer section. |
| 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. 3Company-reported. Pro ERM Product Features list; subject to the policy as issued. | Marsh says professional liability coverage can protect a company against liability and defense costs from a claim alleging an error, omission or negligence in performing professional services, and that many policies also cover privacy violations and computer security breaches. 9Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form. |
| Limits and Retentions | Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. 3Company-reported. Pro ERM Product Features list. | Not described in the reviewed sources. |
| Risk Services | Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. 3Company-reported. Pro ERM Product Features list. | Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. 9Company-reported. Marsh professional liability page. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. 3Company-reported. Cyber Insurance Coverage & Products page quoting section. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs Marsh Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- 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; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Professional liability. Marsh; Opening description; What We Offer: specialized industries served (banking, insurance/asset managers, merchant banking/venture capital, accountants/attorneys/architects/engineers, media/communications/entertainment, technology, healthcare/biotechnology). Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
