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

Relm Insurance separates Technology E&O from its cyber product and adds a Fintech E&O product for blockchain exposure. Chubb's DigiTech ERM instead merges Tech E&O, media and cyber in one policy.

Relm sells Tech E&O separately from cyber and offers a distinct Fintech E&O product for blockchain and regulatory risks. Chubb puts tech E&O, media and cyber in one DigiTech ERM policy, with no exclusion for late or failed delivery. ^4,¹

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

Separate E&O and Cyber vs One Combined Policy

Relm markets Technology E&O as professional liability separate from cyber and says neither protects you from the other’s exposures, so you may buy two policies. Chubb underwrites DigiTech ERM, one policy that combines tech E&O with media and cyber, for software developers, technology-services firms and electronics and hardware manufacturers. Choose Chubb if you want E&O and cyber from one insurer on one policy; choose Relm if you’re a fintech that needs cover built for blockchain and regulatory risk. ⁴ ¹

A Fintech Product vs No Fintech Variant

Relm says standard Tech E&O isn’t always enough for fintechs and offers a distinct Fintech Errors and Omissions product for blockchain vulnerabilities and heightened regulatory scrutiny. Chubb doesn’t describe a fintech version of DigiTech ERM. ⁴ ¹

Failed Delivery vs Delay Explicitly Covered

Relm’s Tech E&O centers on failed service delivery, contract failures and software glitches that hurt customers. Chubb covers third-party financial loss and states there’s no exclusion for delays or failure to deliver, so a missed launch date is plainly in scope. ⁴ ¹

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

Ask Relm whether you’re quoted on standard Tech E&O or Fintech E&O, and whether its cyber product is bound alongside. ⁴ ¹
Ask Relm which insurer issues the policy; Chubb underwrites DigiTech ERM itself. ⁴ ¹
Get limits from both; neither publishes them. ⁴ ¹
Ask Relm whether delays are covered, since Chubb states they are. ⁴ ¹

Chubb vs Relm Insurance Tech E&O Insurance Compared

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

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Relm 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.	Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. ⁴Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
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.	Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁴Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁴Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁴Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.
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.	Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Chubb DigiTech ERM (Technology Errors & Omissions)

Relm 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.

Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. ⁴Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.

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.

Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁴Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.

Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁴Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.

Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁴Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

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.

Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.