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

Risklytics, a licensed producer, places tech E&O with outside carriers through an online application and says it adds no broker fee to the premium. Coalition's Tech E&O comes only with its Active Cyber policy via appointed brokers.

Risklytics places Tech E&O for robotics, autonomy and AI companies, reads every policy form for hidden AI exclusions, and sees typical requests of $1 million to $5 million per claim. Coalition sells Tech E&O only alongside its Active Cyber policy, through appointed brokers. ^5,^4,¹

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

An AI and Robotics Specialist vs E&O Paired With Cyber

Risklytics doesn’t underwrite; it places Risklytics Professional Liability (Tech E&O) with specialist insurers willing to write robotics, autonomy and AI risk. Coalition designs Tech E&O that combines only with its Active Cyber policy and sells it through appointed brokers. Choose Risklytics if your product uses AI or autonomous systems; choose Coalition if you want E&O and cyber together with security monitoring. ⁵ ⁴ ¹

AI-Exclusion Review vs Standard Tech Claims

Risklytics says some insurers quietly exclude AI-related losses, so it reads every policy form for those exclusions before binding; its customers typically ask for $1 million to $5 million per claim. Coalition’s Tech E&O lists bugs, delays and licensed-code IP claims but publishes no limit range and describes no AI-exclusion review. If your model’s output is your product, that review matters. ⁴ ¹

Online Application With No Broker Fee vs Broker Consultation

You start Risklytics online; it says it adds no broker fee on top of premium and a licensed producer stays on your file until you bind. Coalition has no self-serve Tech E&O quote and routes you to a consultation or appointed broker, with its Coalition Control security platform included for policyholders. ⁶ ¹ ³

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

Ask Risklytics for the form’s AI exclusion language and the per-claim limit you’ll get. ⁴
Ask Coalition whether Active Cyber must be on the same quote, and which surplus lines insurer issues Tech E&O (surplus lines insurers aren’t backed by state guaranty funds). ¹ ²
Check Risklytics’ no-broker-fee statement against your binder. ⁶
Ask how each form treats a model’s faulty output versus a cyber incident. ⁴ ¹

Coalition vs Risklytics Tech E&O Insurance Compared

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

Criteria	Coalition Technology Errors & Omissions Coverage	Risklytics Professional Liability (Tech E&O) Insurance
Who It’s For	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.	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	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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	Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. ^1,³Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.	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.