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

Risklytics reads every policy form for AI exclusions before binding and lists a typical ask of $1 million to $5 million; Alliance Risk places Tech E&O for SaaS and IT firms, citing limits from $250K/$500K.

Risklytics reads every Tech E&O form for hidden AI exclusions before binding and charges no fee on top of premium, which matters most for AI, robotics and autonomy companies. Alliance Risk serves the wider tech market, from freelancers to SaaS firms, with published limits from $250,000 to $2 million-plus. ^2,^3,¹

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

AI Exclusion Screening vs Broad Tech Coverage

Risklytics says some insurers quietly exclude AI-related losses, so it reads every policy form for AI exclusions before binding, and notes enterprise customers usually require Tech E&O before your first contract. Alliance Risk lists AI companies among its buyers and says Tech E&O covers errors in deliverables, including wrong or biased AI outputs, but doesn't describe screening forms for exclusions. Choose Risklytics if you're an AI, robotics or autonomy company; choose Alliance Risk if you're a freelancer, agency or SaaS firm wanting a specialist broker. ¹ ² ³

Higher Typical Limits and No Broker Fee at Risklytics

Risklytics says its clients typically ask for $1 million to $5 million per claim and that it adds no broker fee because the insurer pays its commission. Alliance Risk publishes typical limits from $250,000/$500,000 for a freelancer to $2 million/$3 million-plus for SaaS, but doesn't say how it's paid. ¹ ⁴ ²

Online Application vs Contract-Heavy Intake

Risklytics starts with an online application and keeps a licensed producer on your file until bind. Alliance Risk collects your services, revenue, largest client contracts, current coverage and claims history before marketing the risk. ¹ ² ³

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

Ask both to point out any AI exclusion in the proposed form and what it means for your products. ² ¹
Compare the actual quoted limits with Risklytics' $1–$5 million range and Alliance Risk's published bands. ¹ ⁴
Ask Alliance Risk whether it charges any fee on top of premium, and ask both to name the insurer. ⁴ ¹

Alliance Risk vs Risklytics Tech E&O Insurance Compared

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

Criteria	Alliance Risk Tech E&O Insurance	Risklytics Professional Liability (Tech E&O) Insurance
Limits and Retentions	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. ¹Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	Risklytics lists a typical ask of $1 million to $5 million per claim for this line. ²Company-reported. Lines page; actual limits are set on the bound policy.
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.	Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. ²Company-reported. Lines page.
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.	You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific 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.	Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. ²Company-reported. Lines page; the issued policy and declarations 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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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.	Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. ²Company-reported. Lines page.