Chubb vs Pie Insurance: Professional Liability / E&O Insurance

Chubb underwrites Pro ERM itself and sells it through agents and brokers, whereas Pie Insurance gets small businesses E&O from carrier partners, with quotes started on its site.

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

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 ↗

Pie Insurance

  • role: Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. Errors and Omissions product page as read on 2026-09-23.company-reportedSource ↗
  • insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. Errors and Omissions product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.company-reportedSource ↗
  • eligibility: Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.company-reportedSource ↗
  • application: Pie directs errors and omissions buyers to contact the company to start a quote through its website. Errors and Omissions product page as read on 2026-09-23.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. Errors and Omissions product page as read on 2026-09-23.not-disclosedSource ↗

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

Business Types

Chubb targets non-licensed consultants, event planners, design and marketing firms, staffing firms and travel agents. [1] Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real-estate agents as professionals who often carry E&O. [5] If you work in a licensed profession, ask Pie whether its partner can provide the required form.

Combined Policy Versus Partner Placement

Chubb underwrites Pro ERM as one policy for professional liability, media and cyber exposures. [1] Pie acts as an intermediary for E&O placed with insurance-carrier partners and does not name the insurer on its reviewed page. [5] Choose Chubb if you want the combined Pro ERM structure; choose Pie if your licensed profession fits its partner market.

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

  • Ask Pie which carrier issues the policy and request its limits and deductible. [5]
  • Ask Chubb for Pro ERM's limit and retention. [1]
  • Confirm whether your licensed profession qualifies for Pie's E&O and whether Chubb's non-licensed eligibility applies. [5] [1]
  • Confirm criminal-defense costs are excluded in Pie's actual policy wording. [5]

Chubb’s Pro ERM lists professional-disciplinary defense; Pie serves small businesses with E&O for negligence claims but excludes criminal prosecution.

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
    Errors and Omissions Insurance

    Pie Insurance · Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now · accessed 2026-09-23

  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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