Alliance Risk vs Amelia Risk: How Do They Compare for Tech E&O Insurance?

Two placement firms: Alliance Risk specializes in Tech E&O and offers a free review of an existing policy, while Amelia Risk is a brokerage that approaches insurers for you and reviews the quotes with you.

Alliance Risk specializes in Tech E&O, publishing typical limits from $250,000/$500,000 to $2 million/$3 million-plus, a $2,500 small-firm deductible and a free review of your current policy. Amelia Risk says to buy once people use your product, even in beta, then shops insurers for you. ^1,^4,²

What Are the Key Differences Between Alliance Risk and Amelia Risk Tech E&O Insurance?

Published Numbers vs First-Policy Guidance

Both are brokers. Alliance Risk specializes in Tech E&O for SaaS, AI, IT consultancies and MSPs, and publishes typical limits and a $2,500 small-firm deductible so you can budget before you apply. Amelia Risk publishes no limits or insurers but tells you when to buy: once people are using your technology, in beta or full release. Choose Alliance Risk if you already have a policy to review or need to match a contract's limit; choose Amelia Risk if you're launching and buying your first policy. ¹ ² ⁴

How Each Works Your File

Alliance Risk offers a free review of your existing Tech E&O policy and asks for your largest client contracts and claims history when quoting. Amelia Risk gathers your information, approaches insurers, reviews quotes with you and says it advocates for you during claims. ¹ ⁵

What's Covered

Alliance Risk describes cover for failure to perform and errors in deliverables, including wrong or biased AI outputs, and says cyberattacks need a separate cyber policy. Amelia Risk describes cover when your product or service fails and causes a client or user a financial loss, and lists no exclusions. ¹ ²

What Should You Confirm in Alliance Risk and Amelia Risk Tech E&O Insurance Quotes?

Ask Amelia Risk which insurers it would approach and its proposed limits and deductible. ⁵ ²
Ask Alliance Risk whether its typical limits and $2,500 deductible apply to your revenue and contracts. ¹
Ask both whether AI outputs and cyber incidents are covered, and quote cyber separately if not. ¹ ²

Alliance Risk vs Amelia Risk Tech E&O Insurance Compared

Alliance Risk vs Amelia Risk: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	Technology Errors and Omissions
Who It’s For	Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. ¹Company-reported. Tech E&O page, "Who Needs Tech E&O Insurance?" section.	Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ²Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ³Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.
How to Apply	For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. ¹Company-reported. Tech E&O page, "What We Need for Your Quote" section.	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁵Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ²Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^4,²Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.