--- title: "Chubb vs Risklytics: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-risklytics/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-risklytics" provider-a: "chubb" provider-b: "risklytics" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-risklytics/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Chubb and Risklytics for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Chubb versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs Risklytics for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Chubb or Risklytics? - What does Chubb or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Chubb and Risklytics. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Chubb vs Risklytics](https://spot.insure/compare/chubb-vs-risklytics) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile # 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 places Tech E&O for robotics, autonomy and AI companies with specialist insurers and screens forms for AI exclusions; Chubb writes tech E&O only inside its combined DigiTech ERM policy with media and cyber. ## Chubb vs Risklytics Tech E&O Insurance Summary 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ## 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") ## 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - Compare Chubb's quoted limit with Risklytics' typical $1–$5 million. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") - If you use Risklytics, arrange cyber separately; DigiTech ERM includes it. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## Chubb vs Risklytics Tech E&O Insurance Compared | 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [3](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](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..) | | 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](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..) | | 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [5](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..) | | 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. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | ## About Chubb and Risklytics and Tech E&O Insurance - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews) - [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Chubb vs Risklytics Tech E&O Insurance - [Chubb vs Risklytics](https://spot.insure/compare/chubb-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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions) - [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions) ## Sources for Chubb vs Risklytics Tech E&O Insurance ### Sources About Chubb 1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 2. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-23. 3. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services: E&O/Cyber listed among Chubb's technology-industry offerings. Accessed 2026-09-23. ### Sources About Risklytics 4. [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. 5. [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. 6. [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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/chubb-vs-risklytics/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)