Chubb vs Travelers: How Do They Compare for Tech E&O Insurance?

Both are carrier products with cyber alongside. Travelers lets you select E&O without the cyber insuring agreements; Chubb's DigiTech ERM is a single policy that merges Tech E&O with media and cyber.

Travelers lets you buy tech E&O alone or add cyber within CyberRisk Tech; Chubb's DigiTech ERM always combines tech E&O, media and cyber, and adds software copyright cover and no exclusion for late or failed delivery. ^4,^5,¹

What Are the Key Differences Between Chubb and Travelers Tech E&O Insurance?

E&O on Its Own vs Always Bundled With Media and Cyber

Travelers writes tech E&O as one agreement you can select inside CyberRisk Tech, so you can buy E&O, cyber or both; you buy through an agent or Travelers representative. Chubb writes DigiTech ERM as one policy that always combines tech E&O with media and cyber, quoted through its Cyber Central or Marketplace platforms. Neither publishes E&O limits. Choose Travelers if you already have cyber elsewhere and want E&O only; choose Chubb if you want E&O, media and cyber from one insurer with broader tech terms. ⁴ ⁵ ¹ ³

Standard Error Cover vs Late-Delivery and Copyright Extras

Travelers says its tech E&O agreement covers allegations of errors, omissions or negligent acts, such as a customer claiming lost revenue from a software or service error. Chubb's DigiTech ERM adds third-party financial injury, a broadened technology-incident definition, software copyright infringement, product-recall loss of use and no exclusion for delays or failure to deliver. If your contracts carry delivery deadlines or you ship software others could claim infringes, Chubb's described terms go further. ⁴ ¹

Security Services Only With Cyber vs Included

Travelers' Cyber Risk Services, including a 24/7 dashboard and threat monitoring, come with the cyber cover, not the E&O agreement. DigiTech ERM policyholders get Chubb's response panel, hotline and Cyber Alert app as part of the combined policy. ⁵ ¹

What Should You Confirm in Chubb and Travelers Tech E&O Insurance Quotes?

Ask Travelers which CyberRisk Tech agreements your quote includes. ⁵
Ask Travelers whether Cyber Risk Services apply if you buy E&O without cyber. ⁵
Get limits from both. ⁴ ¹
Ask Travelers whether its form covers late delivery, software copyright and product recall as Chubb's does. ¹ ⁴

Chubb vs Travelers Tech E&O Insurance Compared

Chubb vs Travelers: Tech E&O Insurance: documented features by provider

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Travelers CyberRisk Tech Technology Errors and Omissions Coverage
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. ¹Company-reported. DigiTech ERM Target Clients list.	Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. ^4,⁵Company-reported. Technology-page FAQ and the cyber-for-technology product page.
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. ^1,³Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list.	Travelers tells technology buyers to consult their insurance agent or a Travelers representative about CyberRisk Tech coverage; the reviewed pages do not describe a self-service quote path for technology E&O. ⁵Company-reported. Cyber-for-technology page CTA.
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. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	Travelers says the technology E&O insuring agreement helps cover the costs a company incurs from allegations of errors, omissions or negligent acts in performing its services, giving as an example a customer claiming lost revenue from an error in a software product or technology service. ⁴Company-reported. Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page. Travelers distinguishes technology E&O from the rest of CyberRisk Tech, which separately includes breach response, cybercrime and business-loss coverages; a buyer can select E&O coverage without also buying the cyber-specific insuring agreements. ⁵Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
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. ¹Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section.	Travelers underwrites technology E&O as one of the selectable insuring agreements inside its CyberRisk Tech policy, not as a separate standalone policy form; a buyer chooses E&O protection, cyber protection, or both within the same product. ^4,⁵Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.
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. ¹Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."	Travelers says CyberRisk Tech policyholders with cyber coverage get access to Cyber Risk Services, including a 24/7 Cyber Risk Dashboard and threat monitoring, but the cyber-for-technology page states availability of these services depends on policy eligibility and lists them under cyber coverage rather than as a benefit tied specifically to the technology E&O agreement. ⁵Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit.