Chubb vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

The Hartford publishes average minimum monthly premiums by product, from $38 to $239. Chubb's reviewed Pro ERM page does not publish a separate liability limit or retention, and says it includes 100% of defense costs for covered claims worldwide.

Healthcare professionals see a $38 monthly average-minimum reference from The Hartford, while architects and engineers see $239; Chubb publishes no comparable price or limit. ^3,¹

What Are the Key Differences Between Chubb and The Hartford Professional Liability (E&O) Insurance?

Bundled Policy or Product by Profession

Chubb combines E&O, media and cyber in Pro ERM for non-licensed professional-services firms. ¹ The Hartford sells separate E&O products for architects and engineers, healthcare professionals and technology companies, plus miscellaneous E&O and an endorsement option. ³ Choose a product designed for your profession and compare whether a separate cyber policy is needed.

Claims-Made or Occurrence

The Hartford says many E&O policies are claims-made, with a retroactive date and a 30-to-60-day reporting period that can be extended for a cost; some are occurrence policies. ³ Chubb's reviewed page does not state Pro ERM's form. ¹ The form determines which policy period responds to a claim.

What Should You Confirm in Chubb and The Hartford Professional Liability (E&O) Insurance Quotes?

Ask Chubb for Pro ERM's limit, retention and premium. ¹
Ask The Hartford which product fits your profession, whether it is claims-made or occurrence, and its reporting period. ³
Confirm whether you need separate cyber coverage with The Hartford or get it bundled with Chubb. ³ ¹
Compare actual premiums at the same limits and retentions; Hartford's values are averages. ³

Chubb vs The Hartford Professional Liability (E&O) Insurance Compared

Chubb vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Chubb Pro ERM (Professional Enterprise Risk Management)	The Hartford Professional Liability Insurance (Errors & Omissions)
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. ¹Company-reported. Pro ERM Product Features list.	The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ³Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
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. ¹Company-reported. Pro ERM Target Clients list.	The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ³Company-reported. Professional liability product page as read 2026-09-23.
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. ¹Company-reported. Pro ERM Product Features list; subject to the policy as issued.	The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ³Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
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. ¹Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.	The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ³Company-reported. Professional liability product page as read 2026-09-23.