biBERK vs Chubb: Professional Liability / E&O Insurance

Chubb's Pro ERM bundles professional liability with media and cyber for non-licensed firms of all sizes, quoted by agents and brokers. biBerk offers professional liability in all 50 states and names consultants and accountants among professions that may need E&O.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Chubb adds professional liability to a combined professional, media, and cyber policy for non-licensed firms; biBerk describes E&O for client financial-harm allegations and possible defense subject to policy terms.

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

Policy scope and buyer type

Chubb underwrites Pro ERM as one policy combining professional, media, and cyber exposures for non-licensed professional-services firms. biBerk describes E&O for client allegations that an error, omission, or negligent act caused financial harm. Chubb’s named non-licensed scope makes profession status a key eligibility question; biBerk lists consultants, accountants, real-estate agents, and insurance agents as relevant professions. [1] [2]

Defense and services

Chubb says Pro ERM covers 100% of defense costs for covered claims worldwide and provides access to experienced professional-liability counsel. biBerk says defense may be covered for groundless accusations, subject to policy terms. Compare defense-cost wording and confirm whether costs reduce the stated limit. [1] [2]

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

  • Ask Chubb whether your services qualify as non-licensed professional services and request its limit and retention. [2]
  • Ask biBerk whether defense costs are inside or outside the proposed limit. [1] [2]

Areas of coverage

biBerk

  • coverage: biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • coverage: biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O defense. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • eligibility: biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional services. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • eligibility: biBerk says it provides Professional Liability in all 50 states. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • application: The page describes online quote/purchase and online claim submission with phone support. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.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 ↗

Sources reviewed

  1. 01
    Professional Liability Insurance | Talk To biBerk

    biBerk · What Professional Liability covers · accessed 2026-09-28

  2. 02
    Cyber Insurance Coverage & Products

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

  3. 03
    Insurance for Software Product & System Developers

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

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Get business insurance

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

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