Alliance Risk vs 
TechInsurance: How Do They Compare for Cyber Insurance?
Alliance Risk instead suggests limits, noting small businesses typically buy $1 million with deductibles around $2,500; TechInsurance reports a median of $129 a month and spells out exclusions.
TechInsurance reports a median cyber premium of $129 per month, about $1,552 a year, based on its customer data, and offers an online application. Alliance Risk publishes recommended limits by profile and starts with an advisor instead of a published median price. 3,1
What Are the Key Differences Between Alliance Risk and TechInsurance Cyber Insurance?
A Published Median Price Versus Published Limit Guidance
TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. Alliance Risk does not publish premiums; it says most small businesses buy $1 million limits with about a $2,500 deductible. Choose TechInsurance if you want that median as a pricing reference and an online application; choose Alliance Risk if you want its profile-based limit table and an advisor to shop the market. 3 1
Tech E&O Bundle, Exclusions and Same-Day Certificates
TechInsurance arranges cyber as a standalone policy and describes it as often bundled with technology errors and omissions in a combined tech E&O package. It says cyber does not cover professional negligence unrelated to a breach, physical damage to devices, or data loss from physical hardware damage. You request quotes online through a short application; a licensed agent is available, and a certificate is typically available the same day you buy. Alliance Risk lists first- and third-party cyber covers including PCI-DSS assessments and regulatory fines, without that same-day certificate claim. TechInsurance names IT professionals, retail, healthcare, financial services, real estate and media as example segments. 3 1
What Should You Confirm in Alliance Risk and TechInsurance Cyber Insurance Quotes?
Alliance Risk vs TechInsurance Cyber Insurance Compared
Alliance Risk vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Alliance Risk Cyber Liability Insurance | TechInsurance Cyber Liability Insurance |
|---|---|---|
| Limits and Retentions | Alliance Risk's cyber page says most small businesses buy $1 million per-occurrence and $1 million aggregate limits with roughly $2,500 deductibles, and it publishes a recommended-limit table by business profile, ranging from $500,000-$1 million for sole proprietors to $5 million or more for healthcare and finance companies. These are general guidance, not a quoted limit for a specific business. 1Company-reported. Cyber product page, How Much Cyber Insurance Do You Need? section. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 3Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | You request a cyber quote or book a risk assessment with an Alliance Risk advisor through the calls to action on the cyber product page; the page does not list specific underwriting information required for a cyber submission. 1Company-reported. Cyber product page quote and consultation calls to action. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 3Company-reported. Cyber liability product page application and certificate sections. |
| Coverage Features | Alliance Risk's cyber offering combines first-party coverage (data recovery, business interruption, breach notification, credit monitoring, forensic investigation, crisis management and cyber extortion or ransomware payments) with third-party coverage (legal defense, settlements and judgments, regulatory fines and penalties, PCI-DSS assessments, and media liability). 1Company-reported. Cyber product page, First-Party vs. Third-Party Cyber Coverage section; actual policy structure depends on the carrier and the policy as issued. Alliance Risk says its cyber programs include coverage for legal expenses and fines imposed by data protection authorities such as the FTC, HIPAA enforcers or GDPR enforcers. 1Company-reported. Cyber product page, The Alliance Risk Difference section. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 3Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 3Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| Role in This Line | Alliance Risk designs cyber programs backed by breach response planning, forensic support and advisory, as a brokerage that arranges placement rather than underwriting the policy itself. 1,2Company-reported. Cyber product page, opening section, and the general brokerage disclosure on the coverage catalogue page. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 3Company-reported. Cyber liability product page. |
