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

RiskCube is an independent brokerage comparing carriers for AI/ML, fintech, govtech, defense, space and Web3 companies, with quotes in about 24 hours. Chubb underwrites DigiTech ERM, quoted by agents and brokers.

RiskCube is a broker that compares Tech E&O across insurers for AI, fintech, govtech, defense, space and Web3 companies and usually quotes in about 24 hours, though IP claims are a common exclusion. Chubb's DigiTech ERM combines tech E&O, media and cyber in one policy and covers software copyright infringement. ^4,¹

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

Frontier-Tech Broker vs Chubb's Combined Policy

RiskCube is an independent broker that compares Tech E&O across insurers it doesn't name, for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can cause client losses or contract disputes. Chubb writes DigiTech ERM itself for software and system developers, technology-services firms and electronics and hardware manufacturers. Choose RiskCube if you're in AI, defense, space or Web3 and want several insurers compared quickly; choose Chubb if you're a mainstream software, services or hardware firm and software copyright claims are a real risk. ⁴ ⁵ ¹

Intellectual Property Treatment

RiskCube lists patent and other IP infringement among common Tech E&O exclusions. Chubb says DigiTech ERM adds software copyright infringement. So a RiskCube placement may leave you without IP cover that DigiTech includes. ⁴ ¹

How You Quote

RiskCube asks for product, customer, revenue and contract details and says it typically returns quotes in about 24 hours. Agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace. ⁴ ³

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

Ask RiskCube which insurer is quoting and whether IP infringement is excluded on that form. ⁴
If software copyright matters, compare RiskCube's form with Chubb's DigiTech wording. ¹
Ask RiskCube whether an AI excess layer and waiver of subrogation are included. ⁴
Get limits from both; neither publishes them. ⁴ ¹

Chubb vs RiskCube Tech E&O Insurance Compared

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
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.	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. ⁴Company-reported. Tech E&O product page "Who needs this coverage" section.
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. ^1,³Company-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. ⁴Company-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.
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.	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. ⁴Company-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. ⁴Company-reported. Tech E&O product page "Common Exclusions" 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.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁴Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.
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. ¹Company-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. ⁴Company-reported. Tech E&O product page "AI & enterprise risk" FAQ.