--- title: "Chubb vs TechInsurance: Professional Liability (E&O) Insurance" description: "TechInsurance reports an $88 monthly median for standalone E&O; Chubb publishes no price for Pro ERM." canonical: "https://spot.insure/compare/chubb-vs-techinsurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-techinsurance" provider-a: "chubb" provider-b: "techinsurance" coverage-line: "professional-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. 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[Human-readable page](https://spot.insure/compare/chubb-vs-techinsurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and TechInsurance for Professional Liability (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 Professional Liability (E&O) Insurance questions about Chubb versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs TechInsurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Chubb or TechInsurance? - What does Chubb or TechInsurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Chubb and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # Chubb vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance? TechInsurance says its E&O policyholders pay a median of $88 a month and targets IT, SaaS and cybersecurity firms. Chubb publishes no separate liability limit for Pro ERM, but covers 100% of defense costs. TechInsurance reports an $88 monthly E&O median; Chubb publishes no price for its bundled Pro ERM policy. ## Chubb vs TechInsurance Professional Liability (E&O) Insurance Summary TechInsurance reports an $88 monthly median for standalone E&O; Chubb publishes no price for Pro ERM. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") ## What Are the Key Differences Between Chubb and TechInsurance Professional Liability (E&O) Insurance? ### Combined or Standalone Coverage Chubb underwrites Pro ERM, combining E&O with media and cyber. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") TechInsurance arranges standalone E&O with outside insurers and does not name the carrier for an individual policy. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") If you want combined cover, ask Chubb for total pricing; if standalone E&O suits your program, ask TechInsurance for a quote. ### Business Fit Chubb names non-licensed consultants, event planners, design and marketing firms and travel agents. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") TechInsurance targets IT and software professionals, cybersecurity and SaaS firms, insurance and real-estate agents, and tax preparers. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") Confirm eligibility for your profession and state. ## What Should You Confirm in Chubb and TechInsurance Professional Liability (E&O) Insurance Quotes? - Ask Chubb for Pro ERM's premium, limit and retention. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Request an individual TechInsurance quote; its $88 median is not a rate table. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") - Ask which insurer will underwrite TechInsurance's proposed policy. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") - Confirm whether your business fits Chubb's non-licensed criteria or TechInsurance's technology and advisory audience. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") ## Chubb vs TechInsurance Professional Liability (E&O) Insurance Compared | Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | TechInsurance Errors and Omissions Insurance | | --- | --- | --- | | Limits and Retentions | Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list..) | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | Who It’s For | Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Target Clients list..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) | | Coverage Features | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list; subject to the policy as issued..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) | | Role in This Line | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. [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, Professional Enterprise Risk Management section..) | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [3](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) | ## About Chubb and TechInsurance and Professional Liability (E&O) - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for Chubb vs TechInsurance Professional Liability (E&O) - [Chubb vs TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Chubb Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/chubb/professional-errors-omissions) - [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions) ## Sources for Chubb vs TechInsurance ### Sources About Chubb 1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Professional 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; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23. ### Sources About TechInsurance 3. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). 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-techinsurance/professional-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)