Amelia Risk vs 
Risklytics: How Do They Compare for Tech E&O Insurance?
Risklytics lets you start Tech E&O in an online application, charges no broker fee on top of the premium and reads policy forms for AI exclusions. Amelia Risk, also a brokerage, works through its four-step process of approaching insurers and reviewing quotes.
Risklytics is built for AI, robotics and autonomy companies: it checks every Tech E&O form for AI exclusions, cites a typical $1 million to $5 million per-claim limit and charges no broker fee; Amelia Risk brokers Tech E&O across software, hardware and life sciences and advocates for you on claims. 3,1,6,5
What Are the Key Differences Between Amelia Risk and Risklytics Tech E&O Insurance?
AI-Exclusion Screening vs Broad Tech Brokerage
Both are brokers. Risklytics places Tech E&O with specialist insurers for robotics, autonomy and AI companies, and says it reads every policy form for AI exclusions because some insurers are quietly excluding AI-related losses. It notes enterprise customers usually require Tech E&O before your first contract. Amelia Risk places Tech E&O for software, hardware, robotics, AI, autonomous-vehicle software and life-sciences clients. Choose Risklytics if your product relies on AI and an exclusion would gut the policy; choose Amelia Risk if you are in hardware or life sciences, or want claims advocacy from your broker. 6 5 1 2
Published Limits and Fees at Risklytics
Risklytics cites a typical ask of $1 million to $5 million per claim and says it charges no broker fee on top of premium; the insurer pays its commission. Amelia Risk publishes no limits or fee structure. 7 1
How You Start
Risklytics starts with an online application, and one licensed producer stays on your file until you bind. Amelia Risk uses a four-step process and says it advocates for you during claims. Risklytics also separates Tech E&O (your product or service costs a customer money) from cyber (hacks and data leaks), so ask whether you need both. 5 3
What Should You Confirm in Amelia Risk and Risklytics Tech E&O Insurance Quotes?
Amelia Risk vs Risklytics Tech E&O Insurance Compared
Amelia Risk vs Risklytics: Tech E&O Insurance: documented features by provider
| Criteria | Technology Errors and Omissions | Risklytics Professional Liability (Tech E&O) 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. | 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. 5Company-reported. Lines page. |
| 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. | 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. 7,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| 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. | 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. 5Company-reported. Lines page; the issued policy and declarations control actual 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. 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. | 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. 6Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
