---
title: "Chubb vs Relm Insurance Tech E&O Insurance"
description: "Relm sells Tech E&O separate from cyber and offers Fintech E&O; Chubb’s DigiTech ERM combines tech E&O with media and cyber in one policy."
canonical: "https://spot.insure/compare/chubb-vs-relm/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Chubb vs Relm Insurance Tech E&O Insurance

Relm sells Tech E&O separate from cyber and offers Fintech E&O; Chubb’s DigiTech ERM combines tech E&O with media and cyber in one policy.

## Research Scope and Use

Use this comparison to evaluate Chubb and Relm Insurance for Tech 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

Relm markets Technology E&O separately from cyber on the same page and offers a distinct Fintech E&O product for blockchain and regulatory exposure. Chubb’s DigiTech ERM is a single policy combining tech E&O with media and cyber. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## 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 Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [8](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [9](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [10](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Separate Tech E&O Versus Combined DigiTech

Relm markets Technology E&O as professional liability separate from cyber, and says one does not protect you from the other’s exposures. Chubb’s DigiTech ERM combines tech E&O with media and cyber in one policy rather than selling tech E&O standalone. A Relm Tech E&O quote can still leave cyber as a second purchase. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### Fintech E&O Product Versus One DigiTech Form

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. Chubb’s DigiTech ERM description targets software developers, technology-services firms and electronics and hardware manufacturers and does not describe a separate fintech E&O product. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### What Each Coverage Description Names

Relm’s Tech E&O description centers on failed service delivery, contractual failure and software glitches affecting customers. Chubb says DigiTech ERM adds third-party financial injury and has no exclusion for delays or failure to deliver. Both speak to a failed technology delivery; Chubb’s public statement also names delay as not excluded. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### Who Issues the Policy

Relm’s reviewed sources do not name an issuing insurer for Tech E&O. Chubb underwrites DigiTech ERM. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Relm whether you are quoted standard Tech E&O or Fintech E&O. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Confirm whether Relm’s cyber product is bound beside Tech E&O, versus DigiTech ERM’s combined form. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Get Relm’s issuing insurer and both sides’ unpublished limits. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Compare Relm’s contract-failure wording with Chubb’s delay and failure-to-deliver statement. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## Offering Details

| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | Relm Technology Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [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, 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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name a specific issuing insurer for Tech E&O placements. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control..)<br><br>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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product..)<br><br>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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section..) |
| Limits and Retentions | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Risk Services | DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. [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; DigiTech ERM includes "all the features of Cyber ERM.".) | Not described in the reviewed sources. |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products quoting section; technology-industry products list..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Relm Insurance](https://spot.insure/compare/chubb-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Chubb vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/chubb-vs-relm/commercial-property)
- [Chubb vs Relm Insurance Crime Insurance](https://spot.insure/compare/chubb-vs-relm/crime)
- [Chubb vs Relm Insurance Cyber Insurance](https://spot.insure/compare/chubb-vs-relm/cyber)
- [Chubb vs Relm Insurance D&O Insurance](https://spot.insure/compare/chubb-vs-relm/directors-officers)
- [Chubb vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-relm/employment-practices)
- [Chubb vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-relm/fiduciary)
- [Chubb vs Relm Insurance General Liability Insurance](https://spot.insure/compare/chubb-vs-relm/general-liability)
- [Chubb vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/chubb-vs-relm/inland-marine)
- [Chubb vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-relm/kidnap-ransom)
- [Chubb vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-relm/professional-errors-omissions)
- [Chubb vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-relm/umbrella-excess)
- [Alliance Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/technology-errors-omissions)
- [Alliance Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/technology-errors-omissions)
- [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions)
- [Amelia Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/technology-errors-omissions)
- [At-Bay vs Chubb Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-chubb/technology-errors-omissions)
- [At-Bay vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-relm/technology-errors-omissions)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
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; DigiTech 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; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.

### Relm Insurance

5. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
6. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
7. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/). Relm Insurance; What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance?. Accessed 2026-09-23.

### Tech E&O Insurance Guide

8. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
9. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
10. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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