Chubb Insurance Company of America / Westchester Fire Insurance Company (USA) (Chubb Limited (Switzerland))
Cyber Enterprise Risk Management (Cyber ERM)
DigiTech ERM / CyberEdge
by Chubb Insurance Company of America / Westchester Fire Insurance Company (USA)
B2BA++Direct—GlobalEnglish
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Up to $100M; bespoke above.
Min Premium / Revenue
No minimum premium.
Market Focus
All sizes; all industries.
Coverage
Cyber crime / FTF, Primary & excess, Tech E&O combined
AM Best Rating
A++ (Superior) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global.
Broker Only
No
Advantages & Limitations§ 02
Advantages
- Three standalone US cyber products:
- — DigiTech® ERM: technology companies (IT consulting, software, data processing, SaaS, hardware).
- — CyberEdge / CyberEdge Plus / CyberEdge PC: primary and excess; Plus extends to physical/OT losses from cyber events.
- CrowdStrike partnership: next-gen AV at discounted policyholder rate.
- Chubb Cyber Index®: real-time proprietary risk trend and cost data tool.
- Vulnerability Management Outreach: Cyber Intelligence Team monitors and alerts policyholders.
- In-house claims specialists; on average handles more than two cyber incidents per day.
- Westchester (E&S division): cyber for hard-to-place and surplus lines risks.
- Fast Track℠: fully automated, real-time policy issuance for eligible small risks.
- NetSPI partnership (Dec 2023): policyholders access penetration testing, attack surface management, breach and attack simulation at discounted rates.
Limitations
- Enterprise focus for larger limits; smaller risks via Fast Track.
Contact & Response§ 03
24/7 Crisis Hotline
+1 800 817 2665
Broker Contact