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

TechInsurance sells an E&O and cyber bundle for IT firms and cites a median of $67 a month. Chubb's DigiTech ERM adds media coverage and broadens the definition of a technology incident, quoted by agents and brokers.

Chubb's DigiTech ERM puts tech E&O, media and cyber in one policy through an agent and includes software copyright infringement; TechInsurance sells small IT firms an E&O-plus-cyber bundle at a median of about $67 a month, but IP and copyright claims usually cost extra. ^1,⁴

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

Copyright Included vs Copyright as an Add-On

Chubb underwrites DigiTech ERM as one policy combining tech E&O with media and cyber, and says it adds software copyright infringement. TechInsurance sells two policies together, E&O and cyber liability, for IT and tech companies, and says IP or copyright disputes are usually not included and must be added. Choose Chubb if copyright claims are a real risk for your product; choose TechInsurance if you are a small IT firm that wants a quick, low-cost bundle and can add IP if needed. ¹ ⁴

Published Price vs Agent Quote

TechInsurance says policyholders pay a median of $67 a month, about $807 a year, depending on profession, limits, access to personal data and claims history. Chubb publishes no price or DigiTech limits; you get both from an agent quoting through Chubb's Cyber Central or Marketplace. ⁴ ¹ ³

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

Ask TechInsurance whether IP or copyright is endorsed onto your bundle, and the cost. ⁴
Ask your agent to confirm software copyright cover on the DigiTech form. ¹
Ask TechInsurance which insurer issues the policies, and get actual limits from both. ⁴ ¹
Treat the $67 median as a benchmark, not your price. ⁴

Chubb vs TechInsurance Tech E&O Insurance Compared

Chubb vs TechInsurance: Tech E&O Insurance: documented features by provider

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	TechInsurance Technology Errors and Omissions (Tech 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.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ⁴Company-reported. Tech E&O product page, Technology professionals we insure 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. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁴Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁴Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁴Company-reported. Tech E&O product page.

Criteria

Chubb DigiTech ERM (Technology Errors & Omissions)

TechInsurance Technology Errors and Omissions (Tech 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.

TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ⁴Company-reported. Tech E&O product page, Technology professionals we insure 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. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.

TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁴Company-reported. Tech E&O product page; general policy description, not a specific policy form.

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁴Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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.

TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁴Company-reported. Tech E&O product page.