--- title: "HUB International vs Zurich U.S.: Tech E&O Insurance" description: "HUB describes prior-acts and extended-reporting options for E&O, while Zurich identifies possible defense, settlement, and court-fee coverage for technology practitioners." canonical: "https://spot.insure/compare/hub-international-vs-zurich/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-zurich" provider-a: "hub-international" provider-b: "zurich" coverage-line: "technology-errors-omissions" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-zurich/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Zurich U.S. for Tech 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 Tech E&O Insurance questions about HUB International versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Zurich U.S. for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, HUB International or Zurich U.S.? - What does HUB International or Zurich U.S. publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Tech E&O Insurance from HUB International or Zurich U.S.? **Key facts:** - Line: Tech E&O Insurance. Providers: HUB International and Zurich U.S.. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich) — parent: all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/hub-international-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Tech E&O Insurance](https://spot.insure/compare/aig-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/aig-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) # HUB International vs Zurich U.S.: How Do They Compare for Tech E&O Insurance? HUB describes prior-acts and extended-reporting options for E&O, while Zurich identifies possible defense, settlement, and court-fee coverage for technology practitioners. ## How to Use the HUB International vs Zurich U.S. Tech E&O Insurance Comparison Use this comparison to evaluate HUB International and Zurich U.S. 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. ## HUB International vs Zurich U.S. Tech E&O Insurance Summary HUB says its general E&O policies can include prior-acts coverage and an extended reporting period. Zurich describes possible defense costs, settlements, and court fees for technology E&O. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") ## What Is HUB International? HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [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://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](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") [13](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [14](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies") ## What Are the Key Differences Between HUB International and Zurich U.S. Tech E&O Insurance? ### Prior Work and Reporting Periods HUB says its general E&O policies can include prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. Zurich describes possible defense costs, settlements, and court fees for technology E&O. If earlier technology work or a change of carrier matters, ask HUB to state the retroactive date and ask Zurich whether comparable reporting terms can be quoted. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") ### Technology Classes and Tailored Placement HUB serves startups and established software, hardware, and digital-media businesses and directs prospects to a broker for customized terms. Zurich identifies hardware and software product makers and technology service providers as target classes, alongside dedicated professional-liability underwriters. Buyers should compare how each quote defines the insured technology services and the policy’s actual claims-made dates. [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") ## What Should You Confirm in HUB International and Zurich U.S. Tech E&O Insurance Quotes? - Ask HUB to state the retroactive date and whether tail coverage is included or separately priced. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask Zurich to identify your eligible class and explain any crisis-management endorsement qualifications. [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") ## HUB International vs Zurich U.S. Tech E&O Insurance Compared | Criteria | HUB International Technology Errors and Omissions Insurance | Zurich Pro Plus E&O for Technology Companies | | --- | --- | --- | | Role in This Line | HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer..) | Confirm in your quote. | | Issuing Insurer | Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; no carrier is disclosed on either..) | Confirm in your quote. | | Who It’s For | HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program..) | Zurich identifies technology practitioners, including hardware/software product makers and technology service providers, as targeted E&O classes. [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Coverage Features | HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry..) | Zurich says its E&O may cover defense costs, settlements and court fees; crisis-management coverage is described as an enhanced endorsement for qualified customers, not an unconditional standard feature. [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Crisis-management coverage is conditional on the enhanced endorsement and qualification; actual covered terms, limits, issuer and state availability depend on issued policy..) | | Limits and Retentions | HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not publicly disclosed; scope: E&O product-page structure description; specific limits are set on the quote and declarations..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | Zurich describes dedicated E&O claims specialists and underwriters with professional-liability experience. [7](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | How to Apply | HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. [4](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | Confirm in your quote. | ## Related Pages for HUB International vs Zurich U.S. Tech E&O Insurance - [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich): 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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk) - [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto) - [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property) - [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime) - [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber) - [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers) - [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices) - [HUB International vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/hub-international-vs-zurich/fidelity-bonds) - [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary) - [HUB International vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/general-liability) - [HUB International vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-zurich/inland-marine) - [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability) - [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions) - [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds) - [HUB International vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/umbrella-excess) - [HUB International vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-zurich/workers-compensation) - [AIG vs HUB International Tech E&O Insurance](https://spot.insure/compare/aig-vs-hub-international/technology-errors-omissions) - [AIG vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/aig-vs-zurich/technology-errors-omissions) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) - [Alliance Risk vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/technology-errors-omissions) - [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions) - [Amelia Risk vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/technology-errors-omissions) ## Sources for HUB International vs Zurich U.S. Tech E&O Insurance ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23. 4. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23. ### Sources About Zurich U.S. 5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 7. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28. ### Sources for the Tech E&O Insurance Guide 8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16. 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. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16. 11. [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. 12. [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. 13. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16. 14. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16. Updated 2026-10-01. 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. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Zurich U.S. Review Scores for 2026 Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-zurich/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)