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

Coalition offers Tech E&O only combined with its Active Cyber policy through appointed brokers; Alliance Risk is a placement partner for Tech E&O, with a free review of an existing policy.

Alliance Risk lets you buy Tech E&O on its own, with published limit bands from $250K/$500K to $2M/$3M+ and a $2,500 small-firm deductible. Coalition sells Tech E&O only with its Active Cyber policy, adding free attack-surface monitoring and one claims team for both. ^1,²

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

Standalone Tech E&O vs Only With Cyber

Alliance Risk is a specialist broker that places Tech E&O for companies that build, deploy or advise using software, and says cyberattacks need a separate cyber policy. Coalition sells Tech E&O through appointed brokers only in combination with its Active Cyber Insurance, never on its own. Choose Alliance Risk if you already have cyber cover or only need E&O for a client contract; choose Coalition if you need both and want them from one company. ¹ ²

Published Limit Bands vs Free Monitoring and One Claims Team

Alliance Risk publishes illustrative limits from $250K/$500K for a freelancer to $2M/$3M+ for a SaaS company, a $2,500 small-firm deductible, and a free review of your existing policy. Coalition doesn't publish Tech E&O limits, but includes Coalition Control attack-surface monitoring at no extra cost and says one in-house claims team handles both Tech E&O and cyber claims. Alliance Risk's page doesn't describe how claims are handled. ¹ ² ⁴

AI Outputs Named vs Software Bugs and Missed Contract Terms

Alliance Risk describes cover for failure to perform and errors in deliverables, including AI outputs. Coalition describes cover for clients' financial losses from errors or negligence in your technology, including software bugs and failing to meet contract requirements, for any organization providing technology for a fee. If you ship AI features, ask Coalition how it treats AI output errors. ¹ ²

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

Confirm Coalition's quote includes Active Cyber and ask which insurer issues the Tech E&O part; its disclosures don't name one, which suggests a surplus-lines insurer outside state guaranty funds. ² ³
Ask Alliance Risk which insurers it approached and whether its published limit bands fit your revenue. ¹
Ask whether Alliance Risk's placement includes any security monitoring comparable to Coalition Control. ⁴ ¹
Ask Alliance Risk who you would call for a non-cyber professional-liability claim. ¹

Alliance Risk vs Coalition Tech E&O Insurance Compared

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

Criteria	Alliance Risk Tech E&O Insurance	Coalition Technology Errors & Omissions Coverage
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.	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ²Company-reported. Tech E&O product page as read on 2026-09-23.
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.	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ²Company-reported. Tech E&O product page as read on 2026-09-23.
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.	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ²Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
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.	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ²Company-reported. Tech E&O product page as read on 2026-09-23.
Risk Services	Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. ¹Company-reported. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.	Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. ^2,⁴Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.