At-Bay vs Relm Insurance: How Do They Compare for Tech E&O Insurance?

Relm Insurance covers service-delivery failures and software glitches and adds a separate Fintech E&O product for blockchain exposure. At-Bay emphasizes breach-of-contract terms with no exclusion for warranties or consequential damages.

At-Bay describes Tech E&O with Stance and limits up to $10 million. Relm markets Technology E&O as professional liability separate from cyber on the same page, and offers a distinct Fintech E&O product for blockchain and regulatory exposures. ^1,⁵

What Are the Key Differences Between At-Bay and Relm Insurance Tech E&O Insurance?

Separate From Cyber, With a Fintech Split

Relm markets Technology E&O as professional liability for the technology sector, separate from the cyber liability product on the same page, and says having one does not protect against the other’s exposures. It also says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product for blockchain-related vulnerabilities and regulatory scrutiny. At-Bay presents Tech E&O as its technology-liability line with Stance using the same InsurSec structure as its cyber product, without a separately named fintech E&O form on the reviewed page. ⁵ ¹

When comparing At-Bay and Relm Insurance, the more specific product menu can make fit easier to judge before you request a quote.

What Each Page Says a Claim Looks Like

At-Bay describes negligence in installations, coding, data processing, implementations and outages, plus contractual indemnity and service credits as damages, and expanded contract and IP terms. Relm says Tech E&O covers inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers, and negligent advice or failure to disclose product limitations, typically including defense, settlements and judgments. Relm also cites AI-model bias, model theft and data poisoning as example exposures. ¹ ⁵

Limits and Insurer Disclosure

At-Bay publishes up to $10 million of primary and excess capacity for revenue up to $5 billion. Relm’s reviewed page does not name an issuing insurer for Tech E&O and does not publish limit amounts. ¹ ⁵

What Should You Confirm in At-Bay and Relm Insurance Tech E&O Insurance Quotes?

Whether Relm is quoting standard Tech E&O or Fintech E&O, versus At-Bay’s Tech E&O form. ⁵ ¹
Issuing insurer, limits and retentions on both quotes. ⁵ ¹
How contract, IP and AI-related claims are treated on each specimen. ¹ ⁵
Whether Stance or any Relm service is included. ¹ ⁵

At-Bay vs Relm Insurance Tech E&O Insurance Compared

At-Bay vs Relm Insurance: Tech E&O Insurance: documented features by provider

Criteria	At-Bay Tech E&O Insurance	Relm Technology Errors and Omissions Insurance
Coverage Features	At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.	Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁵Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁵Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁵Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.
Role in This Line	At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.	Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

At-Bay Tech E&O Insurance

Relm Technology Errors and Omissions Insurance

Coverage Features

At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁵Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.

Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁵Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.

Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁵Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

Role in This Line

At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.

Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.