Chubb vs Techinsurance: Professional Liability / E&O Insurance

TechInsurance says its E&O policyholders pay a median of $88 a month and targets IT, SaaS and cybersecurity firms. Chubb publishes no separate liability limit for Pro ERM, but covers 100% of defense costs.

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

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

Combined or Standalone Coverage

Chubb underwrites Pro ERM, combining E&O with media and cyber. [1] TechInsurance arranges standalone E&O with outside insurers and does not name the carrier for an individual policy. [5] If you want combined cover, ask Chubb for total pricing; if standalone E&O suits your program, ask TechInsurance for a quote.

Business Fit

Chubb names non-licensed consultants, event planners, design and marketing firms and travel agents. [1] TechInsurance targets IT and software professionals, cybersecurity and SaaS firms, insurance and real-estate agents, and tax preparers. [5] Confirm eligibility for your profession and state.

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

  • Ask Chubb for Pro ERM's premium, limit and retention. [1]
  • Request an individual TechInsurance quote; its $88 median is not a rate table. [5]
  • Ask which insurer will underwrite TechInsurance's proposed policy. [5]
  • Confirm whether your business fits Chubb's non-licensed criteria or TechInsurance's technology and advisory audience. [1] [5]

TechInsurance reports an $88 monthly median for standalone E&O; Chubb publishes no price for Pro ERM.

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 & Omissions (E&O) Insurance

    TechInsurance · What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made) · 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

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 ↗

TechInsurance

  • role: TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. Errors and omissions product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for an E&O policy. Errors and omissions product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. Errors and omissions product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.company-reportedSource ↗
  • limits: TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • eligibility: TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.company-reportedSource ↗
  • claims: TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. Errors and omissions product page, How does E&O insurance coverage work? section.company-reportedSource ↗

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