Amelia Risk vs HUB International: How Do They Compare for Tech E&O Insurance?

HUB International brokers technology E&O for startups and established software or hardware firms; Amelia Risk places Tech E&O for technology clients through a four-step process.

Amelia Risk suits robotics, AI, autonomous-vehicle and life-sciences startups that want a specialist broker once people use their technology; HUB suits tech companies that want a large broker, saying it insures more than 5,000 of them. Neither publishes Tech E&O limits or insurers. ^2,^3,^1,^6,⁵

What Are the Key Differences Between Amelia Risk and HUB International Tech E&O Insurance?

Deep-Tech Specialist vs Large Tech Practice

Amelia Risk lists Technology E&O as its own line for software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies once people are using the technology, and runs a four-step process: gather information, approach insurers, review quotes with you, then you decide. HUB brokers tech E&O through its general E&O practice and a dedicated technology practice for startups and established software, hardware and digital-media firms, and says it insures more than 5,000 tech companies. Choose Amelia Risk if you're a robotics, AI or life-sciences startup; choose HUB if you want a large broker handling several lines as you scale. ³ ² ⁵ ⁶

A One-Line Definition vs Prior-Acts Detail

Amelia Risk describes Tech E&O as cover when your product or service fails and costs a client money. HUB says E&O typically pays defense, judgments, settlements and fines for misrepresentation, breach of professional services, wrongful practices and misleading advice, and can include prior-acts cover back to a retroactive date. If you're switching insurers, prior-acts cover protects work you did before the new policy starts; ask Amelia Risk whether its placement keeps your retroactive date. ¹ ⁵

What Should You Confirm in Amelia Risk and HUB International Tech E&O Insurance Quotes?

Ask HUB whether its technology practice or general E&O desk will handle your file. ⁵ ³
Ask both to keep your existing retroactive date. ⁵ ¹
Ask both for limits and the insurer; neither publishes them. ⁵ ¹
Ask each who supports you on a Tech E&O claim. ³ ⁵

Amelia Risk vs HUB International Tech E&O Insurance Compared

Amelia Risk vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	Technology Errors and Omissions	HUB International Technology Errors and Omissions Insurance
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. ¹Company-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. ²Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁶Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
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. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁵Company-reported. Product-page call to action as read 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. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁵Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
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. ^3,¹Company-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.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^5,⁶Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.