Alliance Risk vs Coalition Tech E&O Insurance

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. ²Company-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. ³Company-reported. Tech E&O product page as read on 2026-09-23.

Alliance Risk's Tech E&O page does not name the carriers it places coverage with; it says it "markets your risk to carriers that specialize in technology E&O" without identifying one. ²Not publicly disclosed. Tech E&O page as read on 2026-09-23; the issuing insurer depends on the specific placement.

Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. ⁷Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy.

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. ²Company-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. ³Company-reported. Tech E&O product page as read on 2026-09-23.

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. ²Company-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. ³Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.

Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ²Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.

Not described in the reviewed sources.

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. ²Company-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. ^3,8Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.

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. ²Company-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. ³Company-reported. Tech E&O product page as read on 2026-09-23.

The reviewed Tech E&O page describes the quote and policy-review process but does not describe a dedicated claims-reporting procedure or claims-advocacy service specific to a Tech E&O loss. ²Not found in reviewed sources. Tech E&O page as read on 2026-09-23.

Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. ³Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.