Chubb vs 
RiskCube Tech E&O Insurance
RiskCube brokers Tech E&O for AI and Web3 and lists IP as a common exclusion; Chubb’s DigiTech ERM says it adds software copyright infringement.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 5,6,7
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. 9,10,11
Key Differences in Tech E&O Insurance
Specialist Brokerage Versus Chubb Underwriting
RiskCube compares Tech E&O policies across carriers as an independent brokerage; disclosures say products are issued by unnamed third-party carriers. Chubb underwrites DigiTech ERM. 8 7 3
Who Each Product Is Aimed At
RiskCube targets AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes. Chubb targets software and system developers, technology-services firms and electronics and hardware manufacturers. 8 3
Intellectual Property Treatment
RiskCube lists patent infringement and other intellectual-property infringement among common Tech E&O exclusions. Chubb says DigiTech ERM adds software copyright infringement. A RiskCube placement may still exclude IP; DigiTech ERM’s public description includes software copyright. 8 3
How You Quote
RiskCube asks for product, customer, revenue and contract details and says it typically returns Tech E&O quotes in about 24 hours. DigiTech ERM is quoted through Chubb’s Cyber Central or Marketplace. 8 1
What to Confirm in Tech E&O Insurance Quotes
- Ask RiskCube which carrier is quoting and whether IP infringement is excluded on that form. 8
- Compare that IP treatment with Chubb’s DigiTech software-copyright statement. 3
- Confirm any AI excess layer and waiver-of-subrogation grant on the RiskCube placement. 8
- Get unpublished limits from both quotes. 8 3
Offering Details
Chubb vs RiskCube Tech E&O Insurance: documented features by provider
| Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | RiskCube Technology Errors and Omissions (E&O) 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. 3Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 8Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes. |
| Issuing Insurer | Not described in the reviewed sources. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. 7,8Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23. |
| 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. 3Company-reported. DigiTech ERM Target Clients list. | RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. 8Company-reported. Tech E&O product page "Who needs this coverage" 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. 3Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. 8Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. 8Company-reported. Tech E&O product page "Common Exclusions" section. |
| Limits and Retentions | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. 3Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. | RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. 8Not publicly disclosed. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ. |
| 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. 3Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." | RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. 8Company-reported. Tech E&O product page "AI & enterprise risk" FAQ. |
| 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. 3,1Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list. | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. 8Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs. |
| Claims Support | Not described in the reviewed sources. | The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. 8Not found in reviewed sources. Tech E&O product page as read on 2026-09-23. |
Full Comparison
More Chubb vs RiskCube Comparisons
Other Tech E&O Insurance Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
- 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; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
