Amelia Risk vs Coalition Tech E&O Insurance

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. ^6,4Company-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.

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. ⁷Company-reported. Tech E&O product page as read on 2026-09-23.

The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. ^4,2Not publicly disclosed. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.

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. ¹¹Not 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.

Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ⁴Company-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. ⁵Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.

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. ⁷Company-reported. Tech E&O product page as read on 2026-09-23.

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. ⁴Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.

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. ⁷Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.

Not described in the reviewed sources.

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. ^7,12Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.

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. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.

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. ⁷Company-reported. Tech E&O product page as read on 2026-09-23.

Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. ²Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.

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. ⁷Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.