Chubb vs 
Marsh: How Do They Compare for Tech E&O Insurance?
Marsh designs data-center programs that pair Tech E&O with property and casualty. Chubb underwrites DigiTech ERM for software developers, IT consultants and hardware makers, with media and cyber in the same policy.
Chubb’s DigiTech ERM puts tech E&O, media and cyber on one policy for software, services and hardware firms, and doesn’t exclude claims for late or failed delivery. Marsh is a broker that builds tech E&O into data-center programs alongside property and casualty, because standard forms leave gaps at that scale. 1,5,4
What Are the Key Differences Between Chubb and Marsh Tech E&O Insurance?
One Named Policy vs a Multi-Line Data-Center Program
Chubb underwrites DigiTech ERM, one policy combining tech E&O with media and cyber for software and system developers, tech services and consulting firms, and electronics and hardware manufacturers, quoted through Cyber Central or Chubb Marketplace. Marsh treats tech E&O as a professional-liability specialty and builds it into data-center programs that combine property, casualty and other lines, with insurers it doesn’t name. Choose Chubb if you are a software, services or hardware company wanting one policy; choose Marsh if you run a data center or need tech E&O coordinated with a large property program. 1 3 5 4
Documented Additions vs a Warning About Standard Forms
Chubb says DigiTech ERM covers third-party financial injury from your products or services, a broadened technology-incident definition, software copyright infringement and product-recall loss of use, and doesn’t exclude delays or failure to deliver. Marsh says off-the-shelf tech E&O wasn’t built for the scale and concentration of modern data centers and can leave gaps. Neither publishes limits. 1 4
What Should You Confirm in Chubb and Marsh Tech E&O Insurance Quotes?
Chubb vs Marsh Tech E&O Insurance Compared
Chubb vs Marsh: Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Marsh 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. | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. 5Company-reported. Marsh professional liability page, What We Offer section. |
| 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. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 4Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| 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. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 5,4Company-reported. Marsh professional liability page and data-center insurance page. |
