What Are the Key Differences Between Chubb and Cowbell Tech E&O Insurance?
Media Liability Included vs Published $5 Million Limits
Chubb underwrites DigiTech ERM as one policy combining tech E&O with media and cyber, so content and advertising claims sit alongside your E&O. Cowbell’s Prime Tech combines Technology E&O with cyber, publishes limits up to $5 million, and adds Prime Tech Plus as a follow-form excess layer with its own limits up to $5 million. Chubb publishes no limits or retentions. Choose Chubb if you publish content or run a platform where media claims are likely and want Chubb itself on the policy; choose Cowbell if you want to see limits before quoting. [2] [7] [6]
Delays and Copyright Covered on Both
Both say their forms cover software copyright disputes and have no exclusion for delays or failure to deliver. Cowbell adds that Prime Tech treats contract and warranty claims broadly. The quote wording decides the difference, so compare specimens side by side. [7] [2]
Chubb Agents vs Surplus Lines Through Agents
Chubb agents quote DigiTech ERM through Cyber Central or Chubb Marketplace. Cowbell sells Prime Tech through agents on a surplus-lines basis in all 50 states, meaning a non-admitted insurer outside state guaranty funds, and doesn’t name that insurer. [5] [7]
What Should You Confirm in Chubb and Cowbell Tech E&O Insurance Quotes?
- Ask Cowbell which insurer issues Prime Tech. [7]
- Get Chubb’s DigiTech limits and retention to compare with Cowbell’s $5 million plus excess. [7] [2]
- Ask Cowbell whether your quoted form has any exclusions for guarantees, consequential damages or warranties. [7]
- Check Chubb’s delay and failure-to-deliver wording on the specimen. [2]