Chubb vs Heffernan: Professional Liability / E&O Insurance

Chubb underwrites Pro ERM for non-licensed professional-services firms of every size. Heffernan Insurance Brokers runs a small-business division that shops E&O with insurers for sole proprietors up through fast-growing companies.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Non-licensed consultants, event planners and staffing firms can consider Chubb’s combined Pro ERM; Heffernan serves broader small-business industries through custom packages.

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

What the Policy Describes

Chubb lists personal-injury coverage tied to professional services, independent-contractor coverage, additional-insured status when contracts require it and disciplinary-proceedings defense. [1] Heffernan's reviewed page describes financial-loss claims tied to product or service problems but does not list comparable E&O features. [3] Ask Heffernan for the policy form and exclusions.

Combined Policy Versus Custom Brokerage

Chubb offers Pro ERM as one policy combining professional liability, media and cyber for non-licensed firms. [1] Heffernan shops E&O with insurers and says it will build a custom package for industries outside its published list. [3] Choose Chubb if its named business types and combined structure fit; choose Heffernan if you need a broker to build around a different industry.

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

  • Ask Chubb for Pro ERM's limit and retention; its reviewed page states 100% worldwide defense costs but no separate limit. [1]
  • Ask Heffernan which insurer would issue E&O and what limits it offers. [3]
  • Confirm whether your services meet Chubb's non-licensed eligibility. [1]
  • Ask Heffernan whether your industry is listed or needs a custom package and how that affects timing. [3]

Areas of coverage

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 ↗

Heffernan Insurance Brokers

  • role: Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.company-reportedSource ↗
  • coverage: Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.company-reportedSource ↗
  • eligibility: Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. Small Business Insurance page as read on 2026-09-23.not-disclosedSource ↗
  • application: Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. Small Business Insurance page as read on 2026-09-23.company-reportedSource ↗

Sources reviewed

  1. 01
    Cyber Insurance Coverage & Products

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

  2. 02
    Insurance for Software Product & System Developers

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

  3. 03
    Small Business Insurance

    Heffernan Insurance Brokers · The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages · 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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