Chubb vs 
Travelers Tech E&O Insurance
Travelers lets you select Tech E&O inside CyberRisk Tech without buying cyber agreements; Chubb’s DigiTech ERM combines E&O with media and cyber.
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. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
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. 9,10,11
Key Differences in Tech E&O Insurance
Selectable CyberRisk Tech Versus Combined DigiTech
Travelers underwrites technology E&O as one selectable insuring agreement inside CyberRisk Tech; a buyer chooses E&O, cyber, or both. Chubb underwrites DigiTech ERM as one policy combining tech E&O with media and cyber rather than selling tech E&O standalone. Both are carrier products, but Travelers lets the E&O agreement stand without the cyber-specific agreements. 5 8 3
Claim Examples and Extra DigiTech Features
Travelers says the technology E&O agreement helps cover costs from allegations of errors, omissions or negligent acts, such as a customer claiming lost revenue from an error in software or a technology service. Chubb says 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. Neither reviewed set publishes E&O-specific limit amounts. 5 3
Services That Follow Cyber Selection
Travelers says CyberRisk Tech policyholders with cyber coverage get Cyber Risk Services, including a 24/7 dashboard and threat monitoring, listed under cyber coverage rather than as a benefit of the E&O agreement. DigiTech ERM insureds get Chubb’s response panel, hotline and Cyber Alert app as part of the combined policy. Travelers tells technology and life-sciences buyers to consult an agent or Travelers representative; DigiTech ERM is quoted through Cyber Central or Marketplace. 8 3 1
What to Confirm in Tech E&O Insurance Quotes
Offering Details
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 |
|---|---|---|
| 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. 3Company-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. 5,8Company-reported. Technology and CyberRisk Tech product pages, 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. 3Company-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. 5,8Company-reported. Technology-page FAQ and the cyber-for-technology product page. |
| 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. 3Company-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. 5Company-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. 8Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state. |
| Limits and Retentions | The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. 3Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. | The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. 5,8Not publicly disclosed. Technology and cyber-for-technology 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. 3Company-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. 8Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit. |
| 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. 3,1Company-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. 8Company-reported. Cyber-for-technology page CTA. |
Full Comparison
More Chubb vs Travelers Comparisons
Other Tech E&O Insurance Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
- Insurance for Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats. Accessed 2026-09-23.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
