Chubb vs Risklytics: How Do They Compare for Tech E&O Insurance?

Risklytics is a licensed producer placing Tech E&O with outside carriers through an online application, with no broker fee on top of premium. Chubb underwrites DigiTech ERM through agents and brokers.

Risklytics is built for robotics, autonomy and AI companies: it finds specialist insurers willing to take that risk, reads every form for AI exclusions and charges no broker fee. Chubb writes tech E&O only inside DigiTech ERM, combined with media and cyber and quoted by agents. ^5,^4,^1,³

What Are the Key Differences Between Chubb and Risklytics Tech E&O Insurance?

AI and Robotics Specialist vs a Combined Policy From One Insurer

Risklytics places Tech E&O with specialist insurers willing to write robotics, autonomy and AI risk, and reads every form for AI exclusions before binding, since some insurers quietly exclude AI losses. Chubb writes tech E&O only inside DigiTech ERM, combined with media and cyber, and describes no AI-exclusion review. Choose Risklytics if your product makes AI or autonomous decisions; choose Chubb if you're a conventional software, services or hardware firm that wants tech, media and cyber on one policy. ⁴ ⁵ ¹

Model-Error Claims Kept Apart From Cyber vs Bundled Cover

Risklytics describes Tech E&O paying when your product costs a customer money, such as a perception model mislabeling shipments, and keeps that separate from cyber cover for hacks and leaks. Chubb's DigiTech ERM folds tech E&O, media and cyber together and adds software copyright infringement and no exclusion for delays. ⁴ ¹

Online Start With No Fee vs Agent Quote

You start Risklytics online; it says clients typically ask for $1 million to $5 million per claim and it adds no broker fee because the insurer pays its commission. Agents quote DigiTech ERM through Chubb's Cyber Central or Marketplace, and Chubb publishes no limits. ⁶ ⁴ ³

What Should You Confirm in Chubb and Risklytics Tech E&O Insurance Quotes?

Ask Risklytics which insurer is quoting and whether AI losses are excluded. ⁴
Compare Chubb's quoted limit with Risklytics' typical $1–$5 million. ⁴ ¹
If you use Risklytics, arrange cyber separately; DigiTech ERM includes it. ⁴ ¹

Chubb vs Risklytics Tech E&O Insurance Compared

Chubb vs Risklytics: Tech E&O Insurance: documented features by provider

Criteria	Chubb DigiTech ERM (Technology Errors & Omissions)	Risklytics Professional Liability (Tech E&O) Insurance
Who It’s For	Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. ¹Company-reported. DigiTech ERM Target Clients list.	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. ⁴Company-reported. Lines page.
How to Apply	Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. ^1,³Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list.	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. ^6,⁵Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. ¹Company-reported. DigiTech ERM Product Features list; subject to the policy as issued.	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. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. ¹Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section.	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. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. ¹Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."	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. ⁴Company-reported. Lines page.