---
title: "Chubb vs The Hartford: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-the-hartford"
provider-a: "chubb"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Chubb and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Chubb or The Hartford?
- What does Chubb or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Chubb and The Hartford.
- 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 The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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.

The Hartford publishes profession-specific average minimum premiums from $38 to $239 per month; Chubb’s Pro ERM page gives no price or limit.

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

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Chubb's reviewed page does not state Pro ERM's form. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask The Hartford which product fits your profession, whether it is claims-made or occurrence, and its reporting period. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Confirm whether you need separate cyber coverage with The Hartford or get it bundled with Chubb. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Compare actual premiums at the same limits and retentions; Hartford's values are averages. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

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

| 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. [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..) | 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Chubb and The Hartford and Professional Liability (E&O)

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Chubb vs The Hartford Professional Liability (E&O)

- [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford): 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)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Chubb vs The Hartford

### 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 The Hartford

3. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). 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.

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