Amelia Risk vs 
TechInsurance Tech E&O Insurance
Amelia Risk places Tech E&O as a listed line; TechInsurance sells an E&O-plus-cyber bundle with a published median premium of about $67 per month.
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. 1,2,3
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 7,8
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. 10,11,12
Key Differences in Tech E&O Insurance
Listed Line Versus a Two-Policy Bundle
Amelia Risk places Technology E&O as its own listed policy line. TechInsurance sells technology E&O as a bundle of two policies—errors and omissions insurance and cyber liability insurance—built for IT and technology companies. Neither reviewed page names the issuing insurer. 4 6 9
Intellectual Property and the E&O Half
Amelia Risk describes Tech E&O as covering financial loss if a product or service fails. TechInsurance says the E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, that the cyber half splits into first-party and third-party coverage, and that intellectual property or copyright disputes usually must be added rather than included automatically. 4 9
Audience and Price Disclosure
TechInsurance targets software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms, and says policyholders pay a median of $67 per month (about $807 a year). Amelia Risk markets to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences clients once people are using the technology, uses a four-step brokerage process, and does not publish a median premium or limit amounts. 9 5 4 6
What to Confirm in Tech E&O Insurance Quotes
- Ask whether you are buying Tech E&O alone (Amelia Risk) or an E&O-plus-cyber bundle (TechInsurance). 6 9
- Confirm whether IP or copyright needs an endorsement on each quote. 9 4
- Compare TechInsurance’s median-premium figure with Amelia Risk’s unpublished pricing and limits. 9 4
- Get the issuing insurer from both. 9 4
Offering Details
Amelia Risk vs TechInsurance Tech E&O Insurance: documented features by provider
| Criteria | Technology Errors and Omissions | TechInsurance Technology Errors and Omissions (Tech E&O) Insurance |
|---|---|---|
| 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. 6,4Company-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. | TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. 9Company-reported. Tech E&O product page. |
| 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. 4,2Not 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. | The reviewed page does not name the issuing insurer for a tech E&O policy. 9Not publicly disclosed. Tech E&O product page as read on 2026-09-23. |
| 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. 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. | TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. 9Company-reported. Tech E&O product page, Technology professionals we insure section. |
| 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. 4Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions. | TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). 9Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. 9Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section. |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. 9Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. 2Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form. | Not described in the reviewed sources. |
| 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. 2Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service. | Not described in the reviewed sources. |
Full Comparison
More Amelia Risk vs TechInsurance Comparisons
Other Tech E&O Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. 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.
- Our 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.
- 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.
- Technology Errors and 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.
- Insurance For Technology Companies. 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.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Technology Errors and Omissions - Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
