--- title: "Chubb vs TechInsurance: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-techinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-techinsurance" provider-a: "chubb" provider-b: "techinsurance" 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-techinsurance/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and TechInsurance 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 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 Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Chubb or TechInsurance? - What does Chubb or TechInsurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech 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 - [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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 combines tech E&O, media and cyber and includes software copyright infringement, while TechInsurance sells an E&O-plus-cyber bundle at a median of about $67 a month that usually needs an IP add-on. ## Chubb vs TechInsurance Tech E&O Insurance Summary 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [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") ## 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") - Ask your agent to confirm software copyright cover on the DigiTech form. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Ask TechInsurance which insurer issues the policies, and get actual limits from both. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Treat the $67 median as a benchmark, not your price. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## Chubb vs TechInsurance Tech E&O Insurance Compared | 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. [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..) | 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. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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). [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) | ## About Chubb and TechInsurance and Tech E&O Insurance - [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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Chubb vs TechInsurance Tech E&O Insurance - [Chubb vs TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance): 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) - [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions) ## Sources for Chubb vs TechInsurance 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 TechInsurance 4. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. 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/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)