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

Travelers writes separate E&O products by profession, sold through independent agents. Chubb Pro ERM is one policy for non-licensed firms of all sizes, pairing professional liability with media and cyber.

Licensed lawyers, accountants and insurance professionals can compare Travelers’ profession-specific E&O products; Chubb’s Pro ERM is a bundled option for non-licensed firms. ^1,³

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

Bundled or Separate Coverage

Chubb combines E&O with media and cyber in Pro ERM. ¹ Travelers organizes E&O by profession rather than describing one comparable bundled policy. ³ Ask whether Travelers can coordinate cyber or media coverage and compare total premiums.

How You Buy

Chubb quotes Pro ERM through agents and brokers using Cyber Central or Marketplace. ¹ Travelers directs buyers to an independent agent and provides agents with a professional-liability application library. ³ Both require agent help to apply.

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

Ask Chubb for Pro ERM's limit and retention. ¹
Ask Travelers which profession-specific product fits and request its limit and retention. ³
Confirm the issuing insurer shown on your Travelers declarations. ³
Check whether your work fits Chubb's non-licensed Pro ERM eligibility. ¹

Chubb vs Travelers Professional Liability (E&O) Insurance Compared

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

Criteria	Chubb Pro ERM (Professional Enterprise Risk Management)	Travelers Errors and Omissions Insurance
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.	Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. ³Company-reported. Product-selection list on the E&O page.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. ^3,⁴Company-reported. E&O page CTA and video transcript.
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.	Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. ³Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued.
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.	Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. ^3,⁴Company-reported. E&O and management-liability product pages, as read on 2026-09-23.