Chubb vs 
TechInsurance: How Do They Compare for Cyber Insurance?
TechInsurance reports a median of $129 a month and lists exclusions; Chubb states no minimum premiums and scales premiums for all risk sizes.
TechInsurance says its cyber liability policyholders pay a median of $129 a month based on its own customer data, and you apply online. Chubb underwrites Cyber ERM, quotes it through agents on Cyber Central, and does not publish a typical premium or per-policy limit. 3,1
What Are the Key Differences Between Chubb and TechInsurance Cyber Insurance?
Published Median Premium Versus Agent-Quoted Cyber ERM
TechInsurance reports a $129 monthly median, or about $1,552 a year, from its own cyber book, and you request quotes online through a short application. Chubb publishes no typical premium; it underwrites Cyber ERM and lets agents quote it through Cyber Central or Marketplace for risks under $100 million, with custom programs above $1 billion. Choose TechInsurance if you want that published median and an online application; choose Chubb if you want the underwriter to quote Cyber ERM through an agent. 3 1
Tech E&O Package Versus Named Endorsements
TechInsurance describes cyber as often bundled with technology errors and omissions in a combined tech E&O package. Chubb's reviewed pages focus on Cyber ERM plus named endorsements for widespread events, ransomware encounters and neglected software exploits rather than a combined tech E&O package. 3 1
Same-Day Certificate Versus a 24/7 Alert App
TechInsurance says a licensed agent is available and a certificate of insurance is typically available the same day. Chubb reports 24/7 incident response by hotline or Cyber Alert app and does not describe a same-day certificate claim. 3 2
What Should You Confirm in Chubb and TechInsurance Cyber Insurance Quotes?
Chubb vs TechInsurance Cyber Insurance Compared
Chubb vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Chubb Cyber Insurance (Cyber Enterprise Risk Management) | TechInsurance Cyber Liability Insurance |
|---|---|---|
| Who It’s For | Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. 1Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 3Company-reported. Who needs cyber liability insurance section of the product page. |
| How to Apply | Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. 1Company-reported. Cyber Insurance Coverage & Products page quoting section. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 3Company-reported. Cyber liability product page application and certificate sections. |
| Coverage Features | Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. 1Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. 1Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 3Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 3Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| Role in This Line | Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. 1Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 3Company-reported. Cyber liability product page. |
