Amelia Risk vs Chubb: Technology E&O Insurance

Insurer or brokerage: Chubb underwrites tech E&O only inside DigiTech ERM, combined with media and cyber, while Amelia Risk is a brokerage that places Tech E&O as a separate listed line.

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 Amelia Risk and Chubb Tech E&O Insurance?

One Combined Policy vs Standalone Tech E&O

Chubb writes tech E&O through DigiTech ERM, which combines tech E&O with media and cyber in one policy rather than selling tech E&O alone. Amelia Risk is a broker that places Technology E&O as its own line and doesn't name the insurer. Choose Chubb if you want E&O, media and cyber from one insurer on one policy; choose Amelia Risk if you're a robotics, autonomous-vehicle or life-sciences company that wants a broker to shop a standalone E&O policy. [5] [3] [6]

What the Coverage Does

Amelia Risk describes Tech E&O as paying when your product or service fails and a client or user loses money. Chubb says DigiTech ERM covers third-party financial injury from your products or services, uses a broader "technology incident" definition, and adds software copyright infringement. Neither publishes limits or retentions. [5] [6] [8]

Who It's For and How You Quote

Amelia Risk markets the line to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies once people are using the technology. Chubb targets software and system developers, technology-services firms, and electronics and hardware manufacturers. Agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace platforms; Amelia Risk uses a four-step brokerage process. [2] [5] [8] [9] [3]

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

  • Decide whether you want one combined E&O-media-cyber policy (Chubb) or standalone Tech E&O (Amelia Risk). [6] [3]
  • Ask Amelia Risk whether its placed form covers software copyright infringement, as Chubb's does. [6] [5]
  • Get limits and retentions from both. [6] [5]
  • Ask Amelia Risk which insurer will issue your policy. [5] [6]

Chubb's DigiTech ERM combines tech E&O, media and cyber in one policy, adds software copyright infringement, and is quoted by your agent through Chubb's platforms. Amelia Risk is a broker that places Tech E&O as its own policy for software, hardware, AI, robotics and life-sciences companies.

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
    Insurance For Technology Companies

    Amelia Risk Insurance Brokers · Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O · accessed 2026-09-16

  3. 03
    Insurance Policies

    Amelia Risk Insurance Brokers · Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella · accessed 2026-09-23

  4. 04
    Our Specialties

    Amelia Risk Insurance Brokers · Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence · accessed 2026-09-23

  5. 05
    Technology Errors and Omissions

    Amelia Risk Insurance Brokers · What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? · accessed 2026-09-23

  6. 06
    Cyber Insurance Coverage & Products

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

  7. 07
    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

  8. 08
    Insurance for Software Product & System Developers

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

  9. 09
    Insurance for Technology Companies

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

  10. 10
    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

  11. 11
    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

  12. 12
    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

  13. 13
    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

  14. 14
    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

Areas of coverage

Amelia Risk

  • role: Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.company-reportedSource ↗Source ↗
  • coverage: Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.company-reportedSource ↗
  • eligibility: Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule.company-reportedSource ↗
  • eligibility: Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.company-reportedSource ↗
  • insurer: The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.not-disclosedSource ↗Source ↗
  • application: Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.company-reportedSource ↗
  • claims: Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.company-reportedSource ↗

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 ↗

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