What Are the Key Differences Between Chubb and Insureon Professional Liability (E&O) Insurance?
Combined Pro ERM Structure
Chubb describes Pro ERM as one policy that combines professional liability, media, and cyber for non-licensed service firms, including consultants, staffing companies, and designers. Insureon describes E&O around client claims alleging mistakes or unsatisfactory work, but its overview does not specify whether a particular proposal is standalone or packaged. If you need separate policies or separate aggregates, review the quote structures before treating these products as equivalent. [1] [5]
Defense Costs Across Coverage Parts
Chubb says Pro ERM covers 100% of defense costs worldwide for covered claims and gives policyholders access to experienced professional-liability counsel; it does not publish a separate limit or retention on the reviewed page. Insureon does not publish defense-cost terms or limits in its public overview. Ask for the defense wording and how costs erode each applicable limit, then compare the limits shown in the actual proposals. [1] [5]
Broker-Platform Quote
Chubb quotes Pro ERM through agent and broker platforms, whereas Insureon offers an online quote request. The application channel may shape who gathers the professional-services information and how the package is assembled; neither public route establishes final eligibility or price. [1] [5]