Chubb vs Coalition: Technology E&O Insurance

Two bundles with cyber, two routes in: Coalition pairs Tech E&O with Active Cyber and sells through appointed brokers or a consultation, while Chubb's DigiTech ERM adds media liability and is quoted on its agent platforms.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

Both tie Tech E&O to cyber. Chubb's DigiTech ERM puts Tech E&O, media and cyber on one insurer's policy, states no exclusion for delays or failure to deliver, and adds a 24/7 hotline; Coalition sells Tech E&O only with Active Cyber, plus free Coalition Control monitoring.

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

One Chubb Policy With Media vs Tech E&O Tied to Coalition Cyber

Chubb underwrites DigiTech ERM as one policy combining Tech E&O with media and cyber, and agents and brokers can quote it through Chubb's Cyber Central or Marketplace. Coalition sells Tech E&O only alongside its Active Cyber Insurance, through appointed brokers or a consultation, never direct or standalone. Choose Chubb if you also need media liability or want a known insurer on the whole policy; choose Coalition if you want its security monitoring built in. [2] [5] [7]

No Delay Exclusion vs Delays Listed as a Covered Cause

Both cover client financial losses caused by your technology. Chubb states DigiTech ERM has no exclusion for delays or failure to deliver. Coalition lists delivery delays and failure to meet contract requirements among example causes of covered claims. If a late launch could trigger a customer claim, both address it; compare the actual wording. [2] [7]

24/7 Hotline and Cyber Alert App vs Coalition Control

DigiTech ERM policyholders get Chubb's cyber services, including a 24/7 hotline and the Cyber Alert app. Coalition gives Tech E&O policyholders Coalition Control at no extra cost. [2] [7] [6]

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

  • Ask Coalition which insurer issues its Tech E&O; its disclosures name insurers for cyber and executive risk but not Tech E&O. [8]
  • Ask Chubb for DigiTech ERM limits and retentions; neither publishes amounts. [2]
  • Confirm Coalition's quote binds Tech E&O together with Active Cyber. [7]
  • Compare delay and failure-to-deliver wording on both forms. [2] [7]

Areas of coverage

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 ↗

Coalition

  • role: Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.company-reportedSource ↗
  • insurer: Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy.not-disclosedSource ↗
  • services: Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. Tech E&O and Coalition Control pages as read on 2026-09-23.company-reportedSource ↗Source ↗
  • claims: Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.company-reportedSource ↗
  • application: Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. Tech E&O product page as read on 2026-09-23.company-reportedSource ↗

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
    Cyber Insurance Coverage & Products

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

  3. 03
    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

  4. 04
    Insurance for Software Product & System Developers

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

  5. 05
    Insurance for Technology Companies

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

  6. 06
    Coalition Control

    Coalition · Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts · accessed 2026-09-23

  7. 07
    Tech E&O Insurance Coverage

    Coalition · Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list · accessed 2026-09-23

  8. 08
    U.S. Disclaimers

    Coalition · Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page · accessed 2026-09-23

  9. 09
    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

  10. 10
    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

  11. 11
    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

  12. 12
    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

  13. 13
    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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