Chubb vs Mylo: Professional Liability / E&O Insurance

Chubb offers its own Pro ERM policy, which agents and brokers quote through Cyber Central or Marketplace. Mylo compares quotes from several business insurers to balance coverage and price.

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

Mylo shops E&O across insurers and offers claims-made or occurrence forms; Chubb bundles E&O, media and cyber in Pro ERM.

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

Types of Businesses

Chubb names non-licensed consultants, event planners, design and marketing firms, staffing firms, printers, travel agents and trustees for Pro ERM. [1] Mylo uses examples including app development, financial planning and salon services, and frames fit around businesses that could face client dissatisfaction claims. [6]

Combined Policy Versus Policy-Form Choice

Chubb's Pro ERM combines professional liability, media and cyber for non-licensed professional-services firms. [1] Mylo brokers quotes from multiple insurers and explains that E&O may be claims-made or occurrence, with tail coverage available for claims-made forms. [6] Choose Chubb for the combined structure; choose Mylo if comparing carriers or trigger forms matters more.

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

  • Ask Mylo which carrier and policy form it proposes, including whether the quote is claims-made or occurrence. [6]
  • Ask Chubb for Pro ERM's limit and retention. [1]
  • Confirm Chubb's non-licensed eligibility against your business activities. [1]
  • Ask Mylo whether tail coverage is available and what it costs. [6]

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 ↗

Mylo

  • role: Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. Professional liability product page.company-reportedSource ↗
  • eligibility: Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. Product page examples; a particular business's eligibility depends on underwriting.company-reportedSource ↗
  • coverage: Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗
  • coverage: Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. Product page FAQ; which form and tail terms are offered depends on the placed carrier.company-reportedSource ↗
  • insurer: The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line.not-disclosedSource ↗Source ↗
  • application: Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. Product page "How will Mylo find me the right policy?" section.company-reportedSource ↗
  • claims: Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line.not-foundSource ↗

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
    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

  4. 04
    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

  5. 05
    Contact Your Carrier

    Mylo · Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry · accessed 2026-09-23

  6. 06
    Professional Liability Insurance

    Mylo · Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy? · accessed 2026-09-23

  7. 07
    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

  8. 08
    Get business insurance

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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk