--- title: "Chubb vs Travelers Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-travelers/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-travelers/technology-errors-omissions) # 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. ## Research Scope and Use Use this comparison to evaluate Chubb and Travelers for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Travelers underwrites technology E&O as a selectable insuring agreement inside CyberRisk Tech, so E&O can be chosen without the cyber agreements. Chubb’s DigiTech ERM is a single policy that combines tech E&O with media and cyber rather than selling tech E&O standalone. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") ## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [11](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ## What to Confirm in Tech E&O Insurance Quotes - Ask Travelers which CyberRisk Tech agreements are selected. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - Confirm whether Travelers’ Cyber Risk Services apply if you buy E&O without cyber. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - Compare unpublished limits on both quotes. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - Check Chubb’s delay, copyright and recall wording against Travelers’ E&O agreement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") ## Offering Details | 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. [3](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, 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Not publicly disclosed; scope: 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. [3](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; 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber-for-technology page CTA..) | ## Full Comparison - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [Chubb vs Travelers Business Owner’s Policy](https://spot.insure/compare/chubb-vs-travelers/business-owners-policy) - [Chubb vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-travelers/cargo-transit) - [Chubb vs Travelers Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-auto) - [Chubb vs Travelers Commercial Property Insurance](https://spot.insure/compare/chubb-vs-travelers/commercial-property) - [Chubb vs Travelers Crime Insurance](https://spot.insure/compare/chubb-vs-travelers/crime) - [Chubb vs Travelers Cyber Insurance](https://spot.insure/compare/chubb-vs-travelers/cyber) - [Chubb vs Travelers D&O Insurance](https://spot.insure/compare/chubb-vs-travelers/directors-officers) - [Chubb vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/employment-practices) - [Chubb vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-travelers/equipment-breakdown) - [Chubb vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/fiduciary) - [Chubb vs Travelers General Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/general-liability) - [Chubb vs Travelers Inland Marine Insurance](https://spot.insure/compare/chubb-vs-travelers/inland-marine) - [Chubb vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-travelers/kidnap-ransom) - [Chubb vs Travelers Management Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/management-liability) - [Chubb vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-travelers/professional-errors-omissions) - [Chubb vs Travelers Surety Bonds](https://spot.insure/compare/chubb-vs-travelers/surety-bonds) - [Chubb vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-travelers/umbrella-excess) - [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation) - [Alliance Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/technology-errors-omissions) - [Alliance Risk vs Travelers Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/technology-errors-omissions) - [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions) - [Amelia Risk vs Travelers Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/technology-errors-omissions) - [At-Bay vs Chubb Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-chubb/technology-errors-omissions) - [At-Bay vs Travelers Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-travelers/technology-errors-omissions) ## Sources ### Chubb 1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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. 3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 4. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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 9. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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. 10. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. 11. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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. Updated 2026-09-23. 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. 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