--- title: "Chubb vs TechInsurance Tech E&O Insurance" description: "TechInsurance’s E&O-plus-cyber bundle usually omits IP unless added; Chubb’s DigiTech ERM says it includes software copyright infringement." canonical: "https://spot.insure/compare/chubb-vs-techinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-techinsurance/technology-errors-omissions) # Chubb vs TechInsurance Tech E&O Insurance TechInsurance’s E&O-plus-cyber bundle usually omits IP unless added; Chubb’s DigiTech ERM says it includes software copyright infringement. ## Research Scope and Use Use this comparison to evaluate Chubb and TechInsurance for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary TechInsurance sells tech E&O as two policies—E&O and cyber—and says intellectual property or copyright disputes usually must be added. Chubb’s DigiTech ERM combines tech E&O with media and cyber and says the form adds software copyright infringement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## What Is Chubb? Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## What Is TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [8](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [9](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [10](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## Key Differences in Tech E&O Insurance ### Two-Policy Bundle Versus DigiTech ERM TechInsurance sells technology E&O as a bundle of errors and omissions insurance and cyber liability insurance for IT and technology companies. Chubb underwrites DigiTech ERM as one policy combining tech E&O with media and cyber. TechInsurance’s reviewed sources do not name the issuing insurer. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### Copyright as Add-On Versus DigiTech Feature TechInsurance says the standard bundle does not automatically include intellectual property or copyright disputes and that coverage usually must be added. Chubb says DigiTech ERM adds software copyright infringement. If you need copyright cover, TechInsurance treats it as an endorsement question; Chubb describes it as part of DigiTech ERM. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### Price Illustration Versus Unpublished Limits TechInsurance says policyholders pay a median of $67 per month, or about $807 a year, depending on profession risk, limits, PII access and claims history. Chubb does not publish a median premium or DigiTech ERM limit amounts. You are comparing a median-cost illustration against unpublished DigiTech pricing. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### How You Quote DigiTech ERM is quoted through Chubb’s Cyber Central or Marketplace. TechInsurance’s reviewed Tech E&O sources describe the bundle and median premium but do not describe that Chubb agent-platform path. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## What to Confirm in Tech E&O Insurance Quotes - Ask TechInsurance whether IP or copyright is endorsed onto the bundle. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") - Compare that treatment with Chubb’s DigiTech software-copyright statement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Get TechInsurance’s issuing insurer and both sides’ actual limits. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Treat the $67 median monthly figure as an illustration against Chubb’s unpublished DigiTech pricing. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## Offering Details | Criteria | Chubb DigiTech ERM (Technology Errors & Omissions) | TechInsurance Technology Errors and Omissions (Tech E&O) Insurance | | --- | --- | --- | | 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. [3](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. [7](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..) | | Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name the issuing insurer for a tech E&O policy. [7](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page as read on 2026-09-23..) | | 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. [3](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. [7](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. [3](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). [7](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. [7](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..) | | Limits and Retentions | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) | TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. [7](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 cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | 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. [3](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.".) | Not described in the reviewed sources. | | 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [1](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..) | Not described in the reviewed sources. | ## Full Comparison - [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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [Chubb vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-techinsurance/business-owners-policy) - [Chubb vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-techinsurance/commercial-auto) - [Chubb vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/chubb-vs-techinsurance/commercial-property) - [Chubb vs TechInsurance Cyber Insurance](https://spot.insure/compare/chubb-vs-techinsurance/cyber) - [Chubb vs TechInsurance D&O Insurance](https://spot.insure/compare/chubb-vs-techinsurance/directors-officers) - [Chubb vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-techinsurance/employment-practices) - [Chubb vs TechInsurance General Liability Insurance](https://spot.insure/compare/chubb-vs-techinsurance/general-liability) - [Chubb vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/chubb-vs-techinsurance/inland-marine) - [Chubb vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-techinsurance/professional-errors-omissions) - [Chubb vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-techinsurance/umbrella-excess) - [Chubb vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-techinsurance/workers-compensation) - [Alliance Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/technology-errors-omissions) - [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/technology-errors-omissions) - [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions) - [Amelia Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/technology-errors-omissions) - [At-Bay vs Chubb Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-chubb/technology-errors-omissions) - [At-Bay vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/technology-errors-omissions) ## Sources ### Chubb 1. [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. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 3. [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. 4. [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. ### TechInsurance 5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [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. ### Tech E&O Insurance Guide 8. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 9. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 10. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16. Updated 2026-09-23. 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)