---
title: "Amelia Risk vs Coalition Tech E&O Insurance"
description: "Amelia Risk places Tech E&O as a listed brokerage line; Coalition sells Tech E&O only combined with Active Cyber through appointed brokers."
canonical: "https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions)

# Amelia Risk vs Coalition Tech E&O Insurance

Amelia Risk places Tech E&O as a listed brokerage line; Coalition sells Tech E&O only combined with Active Cyber through appointed brokers.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Coalition for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk brokers Technology E&O as its own listed line. Coalition designs Tech E&O to combine with its cyber policy, markets it only with Active Cyber Insurance through appointed brokers, and gives policyholders Coalition Control at no extra cost. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [12](https://www.coalitioninc.com/control "Coalition Control")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [8](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [9](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [10](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [13](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [15](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Standalone Placement Versus Combined With Cyber

Amelia Risk places Technology E&O as its own listed line, separate from general liability and umbrella. Coalition designs Tech E&O to combine with its cyber policy and sells it through appointed brokers, not direct to buyers. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

Coalition markets Tech E&O only with Active Cyber Insurance, not as a stand-alone policy. Amelia Risk’s listing treats Tech E&O as a line you can request on its own. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

### Who Issues the Policy and Who Handles Claims

Amelia Risk’s reviewed Tech E&O sources do not name an issuing insurer; it says it places business with the insurers it works with. Coalition’s carrier list covers admitted and non-admitted cyber and admitted executive risk, with no equivalent admitted Tech E&O section, so Tech E&O is indicated as non-admitted with unaffiliated insurers. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") [11](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

Coalition says the same in-house claims team handles Tech E&O and cyber together. Amelia Risk says it advocates during claims as part of general brokerage and does not describe a Tech E&O-specific claims procedure. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

### Security Services

Coalition says Tech E&O policyholders get Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring and zero-day alerts. Amelia Risk’s reviewed sources do not describe a comparable security platform for this line. [12](https://www.coalitioninc.com/control "Coalition Control") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

## What to Confirm in Tech E&O Insurance Quotes

- Ask whether Coalition will quote Tech E&O only with Active Cyber, and whether Amelia Risk can place Tech E&O without a cyber policy. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")
- Confirm surplus-lines status on Coalition and the issuing carrier on Amelia Risk’s placement. [11](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Compare Control access with Amelia Risk’s general claims advocacy if a loss is a professional-services dispute rather than a cyber incident. [12](https://www.coalitioninc.com/control "Coalition Control") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")
- Confirm example triggers—software bugs, delivery delays, licensed-code IP claims—on Coalition against Amelia Risk’s financial-loss definition. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

## Offering Details

| Criteria | Technology Errors and Omissions | Coalition Technology Errors & Omissions Coverage |
| --- | --- | --- |
| Role in This Line | 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](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23..) |
| Issuing Insurer | 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](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Not publicly disclosed; scope: U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy..) |
| Who It’s For | Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule..)<br><br>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. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23..) |
| Coverage Features | 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage..) |
| Risk Services | 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [12](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: Tech E&O and Coalition Control pages as read on 2026-09-23..) |
| How to Apply | 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23..) |
| Claims Support | 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified..) |

## Full Comparison

- [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Amelia Risk vs Coalition Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/cyber)
- [Amelia Risk vs Coalition D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/directors-officers)
- [Amelia Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/employment-practices)
- [Alliance Risk vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/technology-errors-omissions)
- [Alliance Risk vs Coalition Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Beazley Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/technology-errors-omissions)
- [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions)
- [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy?. Accessed 2026-09-23.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
6. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

### Coalition

7. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list. Accessed 2026-09-23.
8. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
9. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
10. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
11. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.
12. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.

### Tech E&O Insurance Guide

13. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
14. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
15. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions.md)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)