Hub International vs Zurich: Technology E&O Insurance

What Are the Key Differences Between HUB International and Zurich U.S. Tech E&O Insurance?

Prior Work and Reporting Periods

HUB says its general E&O policies can include prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. Zurich describes possible defense costs, settlements, and court fees for technology E&O. If earlier technology work or a change of carrier matters, ask HUB to state the retroactive date and ask Zurich whether comparable reporting terms can be quoted. [4] [10]

Technology Classes and Tailored Placement

HUB serves startups and established software, hardware, and digital-media businesses and directs prospects to a broker for customized terms. Zurich identifies hardware and software product makers and technology service providers as target classes, alongside dedicated professional-liability underwriters. Buyers should compare how each quote defines the insured technology services and the policy’s actual claims-made dates. [5] [4] [10]

What Should You Confirm in HUB International and Zurich U.S. Tech E&O Insurance Quotes?

Ask HUB to state the retroactive date and whether tail coverage is included or separately priced. [4]
Ask Zurich to identify your eligible class and explain any crisis-management endorsement qualifications. [10]

HUB says its general E&O policies can include prior-acts coverage and an extended reporting period. Zurich describes possible defense costs, settlements, and court fees for technology E&O.

Sources reviewed

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
02
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
03
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
04
Errors and Omissions (E&O) Insurance Coverage
HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23
05
Insurance for Technology Companies
HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23
06
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
07
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
08
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
09
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
10
Errors and Omissions Insurance – E&O | Zurich Insurance
Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

Areas of coverage

HUB International

role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Zurich U.S.

eligibility: Zurich identifies technology practitioners, including hardware/software product makers and technology service providers, as targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
coverage: Zurich says its E&O may cover defense costs, settlements and court fees; crisis-management coverage is described as an enhanced endorsement for qualified customers, not an unconditional standard feature. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Crisis-management coverage is conditional on the enhanced endorsement and qualification; actual covered terms, limits, issuer and state availability depend on issued policy.company-reportedSource ↗
services: Zurich describes dedicated E&O claims specialists and underwriters with professional-liability experience. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗