--- title: "Chubb vs RiskCube: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-riskcube/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-riskcube" provider-a: "chubb" provider-b: "riskcube" coverage-line: "technology-errors-omissions" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-riskcube/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and RiskCube for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Chubb versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs RiskCube for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Chubb or RiskCube? - What does Chubb or RiskCube publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Chubb and RiskCube. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Chubb vs RiskCube](https://spot.insure/compare/chubb-vs-riskcube) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 firms, quoting in about 24 hours; Chubb's DigiTech ERM combines E&O, media and cyber and covers software copyright claims. ## Chubb vs RiskCube Tech E&O Insurance Summary 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [5](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ## 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") - If software copyright matters, compare RiskCube's form with Chubb's DigiTech wording. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Ask RiskCube whether an AI excess layer and waiver of subrogation are included. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") - Get limits from both; neither publishes them. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## Chubb vs RiskCube Tech E&O Insurance Compared | 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. [1](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..) | 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. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](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..) | 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. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](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.".) | 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. [4](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "AI & enterprise risk" FAQ..) | ## About Chubb and RiskCube and Tech E&O Insurance - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Chubb vs RiskCube Tech E&O Insurance - [Chubb vs RiskCube](https://spot.insure/compare/chubb-vs-riskcube): 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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions) - [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions) ## Sources for Chubb vs RiskCube Tech E&O Insurance ### Sources About Chubb 1. [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. 2. [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. 3. [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. ### Sources About RiskCube 4. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). 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. 5. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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. Updated 2026-09-25. 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-riskcube/technology-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)