Chubb vs Embroker: Technology E&O Insurance

Embroker sells its Tech E&O and cyber policy directly online as well as through brokers, and its broker program targets private tech firms under $300 million in revenue. Chubb's DigiTech ERM is quoted by agents and brokers on Chubb's platforms.

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 Embroker Tech E&O Insurance?

Clear Copyright Cover vs Conflicting IP Statements

Chubb underwrites DigiTech ERM, which combines tech E&O with media and cyber and states that it adds software copyright infringement. Embroker's retail page lists IP among exclusions, while its broker program lists software-code infringement as a feature. If you ship software and fear a copyright claim, Chubb's position is the clearer one; with Embroker, get the specimen form before you rely on either statement. Choose Chubb if IP cover matters and you have an agent; choose Embroker if you are a private tech firm under $300 million in revenue that wants to buy online. [2] [7] [6]

Online and Broker Access vs Agent-Only

Embroker sells its blended Tech E&O and cyber policy directly to tech companies and through appointed brokers on Embroker Access, with limits up to $5 million. Its broker appetite is private, for-profit tech companies under $300 million in revenue; you need multifactor authentication above $5 million in revenue, and crypto, blockchain and cannabis are excluded. Chubb quotes DigiTech ERM through agents on Cyber Central or Marketplace and publishes no limits. [7] [6] [2] [5]

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

  • Ask Embroker for the specimen form and check it against both its retail exclusion list and its broker-program infringement feature. [7] [6]
  • Ask your agent for Chubb's DigiTech limits against Embroker's $5 million. [6] [2]
  • If you need more than Embroker's primary limit, know that its excess will not sit above its own primary. [7]
  • Check Embroker's revenue, MFA and excluded-industry rules before applying. [6]

Chubb's DigiTech ERM combines tech E&O, media and cyber through an agent and states that it covers software copyright infringement; Embroker sells blended Tech E&O and cyber online to private tech firms under $300 million in revenue, with limits up to $5 million, but its pages disagree on whether IP is covered.

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
    Embroker Tech E&O / Cyber – EMB Access

    Embroker · Appetite; Coverage Highlights; Additional features · accessed 2026-09-23

  7. 07
    Tech E&O Insurance Quotes and Coverage

    Embroker · Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply · accessed 2026-09-23

  8. 08
    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

  9. 09
    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

  10. 10
    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

  11. 11
    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

  12. 12
    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

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 ↗

Embroker

  • role: Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. Retail and broker-facing page descriptions; not a statement about the issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.company-reportedSource ↗
  • coverage: Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. Retail product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote.conflictingSource ↗Source ↗
  • limits: Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page.company-reportedSource ↗
  • limits: Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.company-reportedSource ↗
  • application: Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.company-reportedSource ↗Source ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk