Berkshire Hathaway Specialty Insurance vs Chubb: Professional Liability / E&O Insurance

Chubb's Pro ERM serves non-licensed professional-services firms of all sizes, quoted by agents and brokers on its platforms. Berkshire Hathaway Specialty Insurance has a form for architects, engineers and consultants covering pollution and cyber too.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

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

What the Published Offering Defines

Berkshire Hathaway Specialty Insurance lists Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. Chubb underwrites Pro ERM as one policy combining professional, media and cyber exposures for non-licensed professional-services firms. This split matters for a firm deciding between a named professional-line placement and a combined risk policy. Chubb identifies broad non-licensed classes, while Berkshire Hathaway Specialty Insurance names separate offerings; confirm which professional services and licensed roles the proposal actually includes. [3] [4]

Buying and Policy Details to Resolve

Chubb says Pro ERM adds independent-contractor coverage, automatic client additional-insured status when required by contract, disciplinary-proceeding defense and 100% of defense costs for covered claims worldwide. Berkshire Hathaway Specialty Insurance’s overview identifies an A&E form addressing pollution, media, technology and cyber exposures, but does not state the same provisions. A buyer with client contracts should compare those clauses directly and ask Berkshire Hathaway Specialty Insurance whether defense costs erode limits and how contractors are treated. [4] [1]

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

  • Does Chubb’s non-licensed eligibility include every service and subsidiary in your account? [3] [4]
  • Which Berkshire Hathaway Specialty Insurance form provides client additional-insured and independent-contractor terms? [3] [4]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy.company-reportedSource ↗Source ↗
  • eligibility: The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. U.S. Professional First target statements; class-specific eligibility only.company-reportedSource ↗
  • coverage: For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component.company-reportedSource ↗
  • services: The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. Company-reported portfolio-level claim-service description, not independently measured claims performance.company-reportedSource ↗

Chubb

  • role: 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. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.company-reportedSource ↗
  • eligibility: 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. Pro ERM Target Clients list.company-reportedSource ↗
  • coverage: 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. Pro ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. Pro ERM Product Features list.company-reportedSource ↗
  • services: Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. Pro ERM Product Features list.company-reportedSource ↗
  • application: Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. Cyber Insurance Coverage & Products page quoting section.company-reportedSource ↗

Berkshire Hathaway Specialty Insurance lists MPL, technology E&O and lawyers liability. Chubb’s Pro ERM combines professional, media and cyber exposures and adds contractor, disciplinary-proceedings and client additional-insured provisions.

Sources reviewed

  1. 01
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  2. 02
    Professional First Professional Liability

    Berkshire Hathaway Specialty Insurance · U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    Cyber Insurance Coverage & Products

    Chubb · Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM · accessed 2026-09-23

  5. 05
    Insurance for Software Product & System Developers

    Chubb · Financial-lines coverage solutions list for software and systems developers · accessed 2026-09-23

  6. 06
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  7. 07
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  8. 08
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  9. 09
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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