---
title: "Chubb vs Mylo Professional Liability (E&O) Insurance"
description: "Chubb underwrites one bundled Pro ERM policy; Mylo compares quotes across multiple carriers and explains claims-made versus occurrence forms."
canonical: "https://spot.insure/compare/chubb-vs-mylo/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# Chubb vs Mylo Professional Liability (E&O) Insurance

Chubb underwrites one bundled Pro ERM policy; Mylo compares quotes across multiple carriers and explains claims-made versus occurrence forms.

## Research Scope and Use

Use this comparison to evaluate Chubb and Mylo for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites Pro ERM as a single policy bundling professional liability with media and cyber cover. Mylo brokers professional liability by comparing quotes from multiple insurers and says the coverage is available in both claims-made and occurrence forms. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [5](https://choosemylo.com/business/business-insurance "Small Business Insurance") [6](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## 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. [9](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### One Underwritten Policy Versus Compared Quotes

Chubb underwrites Pro ERM itself, bundling professional liability with media and cyber exposures into one policy. Mylo brokers professional liability by comparing quotes from multiple business insurance companies rather than underwriting the coverage, and its carrier-contact directory does not tie any named carrier to this line. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [8](https://choosemylo.com/contact-your-carrier "Contact Your Carrier")

### Policy Trigger

The reviewed Chubb page does not state whether Pro ERM is claims-made or occurrence. Mylo, by contrast, spells out the policy-trigger choice for buyers up front: [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")


Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page FAQ; which form and tail terms are offered depends on the placed carrier..)

### Who Each One Serves

Chubb names a defined set of non-licensed professional-services buyers for Pro ERM: consultants, event planners, design and marketing firms, staffing firms, printers, travel agents and trustees. Mylo uses more varied buyer examples spanning app development, financial planning and beauty-salon services, framing eligibility around who could face a client-dissatisfaction claim rather than a fixed industry list. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Mylo which carrier and policy form, claims-made or occurrence, it's proposing for your business. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")
- Ask Chubb for the Pro ERM liability limit and retention beyond its stated 100% worldwide defense-cost coverage. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Confirm whether your business fits Chubb's non-licensed professional-services eligibility, since Mylo's examples suggest a wider range of service businesses. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask Mylo whether the quotes it's comparing include tail coverage options and at what added cost. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

## Offering Details

| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | Mylo Professional Liability Insurance |
| --- | --- | --- |
| 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. [3](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..) | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability product page..) |
| Issuing Insurer | Not described in the reviewed sources. | The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [8](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not publicly disclosed; scope: Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line..) |
| 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. [3](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..) | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page examples; a particular business's eligibility depends on underwriting..) |
| 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. [3](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..) | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy..)<br><br>Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page FAQ; which form and tail terms are offered depends on the placed carrier..) |
| 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. [3](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..) | 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. [3](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..) | Not described in the reviewed sources. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. [3](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..) | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. [7](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page "How will Mylo find me the right policy?" section..) |
| Claims Support | Not described in the reviewed sources. | Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. [8](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not found in reviewed sources; scope: Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line..) |

## Full Comparison

- [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo): 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 E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [Chubb vs Mylo Business Owner’s Policy](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy)
- [Chubb vs Mylo Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-mylo/commercial-auto)
- [Chubb vs Mylo Cyber Insurance](https://spot.insure/compare/chubb-vs-mylo/cyber)
- [Chubb vs Mylo General Liability Insurance](https://spot.insure/compare/chubb-vs-mylo/general-liability)
- [Chubb vs Mylo Surety Bonds](https://spot.insure/compare/chubb-vs-mylo/surety-bonds)
- [Chubb vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-mylo/umbrella-excess)
- [Chubb vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-mylo/workers-compensation)
- [Alliance Risk vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/professional-errors-omissions)
- [Alliance Risk vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/professional-errors-omissions)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)
- [At-Bay vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-mylo/professional-errors-omissions)
- [Beazley vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions)
- [Beazley vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-mylo/professional-errors-omissions)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). 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.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
3. [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.
4. [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.

### Mylo

5. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
6. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
7. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy?. Accessed 2026-09-23.
8. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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.
10. [Professional liability insurance](https://www.iii.org/article/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.
11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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.

Updated 2026-09-24. 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-mylo/professional-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)