---
title: "At-Bay vs Risklytics Tech E&O Insurance"
description: "At-Bay underwrites a Tech E&O program with Stance; Risklytics places Tech E&O as a producer and screens forms for AI exclusions."
canonical: "https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions)

# At-Bay vs Risklytics Tech E&O Insurance

At-Bay underwrites a Tech E&O program with Stance; Risklytics places Tech E&O as a producer and screens forms for AI exclusions.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Risklytics 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

At-Bay describes its Tech E&O policy, Stance and limits up to $10 million. Risklytics Insurance Services describes itself as a licensed producer that places Professional Liability (Tech E&O) with specialist insurers and says it reads every form for AI exclusions before binding. [4](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [12](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](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

### Who Underwrites Versus Who Places

At-Bay places Tech E&O through At-Bay Insurance Services LLC and describes the policy it writes. Risklytics Insurance Services describes itself as a licensed producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) with outside carriers and says it does not underwrite. [4](https://www.at-bay.com/licenses/ "Licenses") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are")

Risklytics says it uses specialist insurers willing to write robotics, autonomy and AI risk, and that the issuing carrier appears on the bound policy. At-Bay’s current Tech E&O product materials do not name an issuer per quote. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### What the Coverage Is Described to Answer

Risklytics says Tech E&O responds when a product or service costs a customer money, such as a perception model mislabeling shipments, and distinguishes that from cyber liability for hacks and leaks. At-Bay describes negligence in installations, coding, data processing, implementations and outages, plus contractual indemnity and service credits as damages. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

Risklytics says some insurers exclude AI-related losses, so it reads every form for AI exclusions before it binds. At-Bay’s reviewed Tech E&O materials do not describe that form-screening step. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### Published Limits

At-Bay publishes Tech E&O limits up to $10 million. Risklytics lists a typical ask of $1 million to $5 million per claim. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### How You Apply

You start Risklytics through its online application; it says there is no broker fee on top of premium. At-Bay takes email submissions or Broker Platform quotes. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## What to Confirm in Tech E&O Insurance Quotes
- The issuing carrier on the Risklytics binder and on At-Bay’s quote. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Whether any AI exclusion appears on either specimen. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Per-claim limits against Risklytics’ $1–5 million typical ask and At-Bay’s $10 million ceiling. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Whether Stance is included and whether Risklytics’ producer stays on the file through bind. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## Offering Details

| Criteria | At-Bay Tech E&O Insurance | Risklytics Professional Liability (Tech E&O) Insurance |
| --- | --- | --- |
| 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. [4](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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..) | 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. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | Not described in the reviewed sources. | 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. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..) | 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. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change..) | Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. [10](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) | 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. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| Claims Support | At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Not found in reviewed sources; scope: Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one..) | Not described in the reviewed sources. |

## Full Comparison

- [At-Bay vs Risklytics](https://spot.insure/compare/at-bay-vs-risklytics): 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.
- [At-Bay vs Risklytics Cyber Insurance](https://spot.insure/compare/at-bay-vs-risklytics/cyber)
- [Alliance Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/technology-errors-omissions)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions)
- [At-Bay vs Beazley Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions)
- [At-Bay vs CFC Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-cfc/technology-errors-omissions)

## Sources

### At-Bay

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
3. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
5. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
6. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Tech E&O Insurance Guide

12. [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.
13. [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.
14. [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 2026-09-24. 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.

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