Alliance Risk vs Chubb: Technology E&O Insurance

Chubb underwrites tech E&O only within DigiTech ERM, a policy combining media and cyber exposures; Alliance Risk is a specialist placement partner that does not underwrite and offers a free review of an existing policy.

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

Chubb sells Tech E&O only inside DigiTech ERM, one policy with cyber and media that covers claims over late or failed delivery. Alliance Risk shops standalone Tech E&O, including AI-output errors, with typical limits from $250,000 to $2 million-plus and a $2,500 small-firm deductible.

What Are the Key Differences Between Alliance Risk and Chubb Tech E&O Insurance?

Standalone Placement vs One Policy With Cyber

Alliance Risk specializes in placing Tech E&O with insurers it doesn’t name, and treats cyber as a separate policy. Chubb underwrites Tech E&O itself but only inside DigiTech ERM, which combines it with media and all of Chubb’s Cyber ERM features; agents quote it through Cyber Central or Chubb Marketplace. Choose Chubb if you want E&O and cyber on one policy from one insurer; choose Alliance Risk if you’re a SaaS, AI, IT consulting or MSP firm that wants standalone E&O shopped for you. [2] [3]

AI Errors, Cyber Excluded vs Late Delivery Covered

Alliance Risk covers failure to perform and errors in deliverables, including AI outputs, and excludes cyberattacks. Chubb covers third-party financial loss from errors in your technology products or services, with no exclusion for delays or failure to deliver. If a missed deadline is your biggest client risk, Chubb states that plainly. [2] [3]

Published Limits and a Policy Review vs Incident Response

Alliance Risk publishes typical limits from $250,000/$500,000 to $2 million/$3 million-plus and a $2,500 deductible for small firms, and offers a free review of your current Tech E&O policy. Chubb publishes no Tech E&O limits but gives DigiTech ERM policyholders a panel of pre-approved incident-response firms and a 24/7 hotline. Chubb targets software and system developers, technology-services firms and hardware manufacturers. [2] [3]

What Should You Confirm in Alliance Risk and Chubb Tech E&O Insurance Quotes?

  • Ask Chubb for DigiTech ERM’s Tech E&O limit and retention. [3]
  • Compare Chubb’s delay and failure-to-deliver wording with the form Alliance Risk proposes. [3] [2]
  • If you buy through Alliance Risk, ask which insurer it proposes and how you’ll cover cyber separately. [2]

Areas of coverage

Alliance Risk

  • role: Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. Tech E&O page opening description.company-reportedSource ↗
  • eligibility: Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. Tech E&O page, "Who Needs Tech E&O Insurance?" section.company-reportedSource ↗
  • coverage: Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.company-reportedSource ↗
  • limits: Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.company-reportedSource ↗
  • services: Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.company-reportedSource ↗
  • application: For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. Tech E&O page, "What We Need for Your Quote" section.company-reportedSource ↗
  • claims: The reviewed Tech E&O page describes the quote and policy-review process but does not describe a dedicated claims-reporting procedure or claims-advocacy service specific to a Tech E&O loss. Tech E&O page as read on 2026-09-23.not-foundSource ↗
  • insurer: Alliance Risk's Tech E&O page does not name the carriers it places coverage with; it says it "markets your risk to carriers that specialize in technology E&O" without identifying one. Tech E&O page as read on 2026-09-23; the issuing insurer depends on the specific placement.not-disclosedSource ↗

Chubb

  • role: Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. Cyber Insurance Coverage & Products page, DigiTech ERM section.company-reportedSource ↗
  • eligibility: Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. DigiTech ERM Target Clients list.company-reportedSource ↗
  • coverage: Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. DigiTech ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. Cyber Insurance Coverage & Products page as read on 2026-09-23.not-foundSource ↗
  • services: DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."company-reportedSource ↗
  • application: Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. Cyber Insurance Coverage & Products quoting section; technology-industry products list.company-reportedSource ↗Source ↗

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Tech E&O Insurance

    Alliance Risk · Opening placement description; Who Needs Tech E&O Insurance?; What Tech E&O Insurance Covers/Does NOT Cover; Tech E&O Insurance vs. Cyber Liability Insurance; How Much Does Tech E&O Insurance Cost?; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review · accessed 2026-09-23

  3. 03
    Cyber Insurance Coverage & Products

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

  4. 04
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  5. 05
    Insurance for Software Product & System Developers

    Chubb · Property & casualty and financial-lines coverage solutions lists for software and systems developers · accessed 2026-09-23

  6. 06
    Insurance for Technology Companies

    Chubb · Products and services: E&O/Cyber listed among Chubb's technology-industry offerings · accessed 2026-09-23

  7. 07
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  11. 11
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

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