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

Risklytics is a licensed producer placing tech E&O with outside carriers and lists a typical ask of $1 million to $5 million. Cowbell markets Prime Tech with limits up to $5M, sold through agents on a surplus-lines basis.

Cowbell's Prime Tech puts Tech E&O and cyber in one policy with limits up to $5 million, through your agent; Risklytics places standalone Tech E&O for robotics, autonomy and AI companies, reads every form for AI exclusions, and charges no broker fee on top of premium. ^1,^2,^4,³

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

E&O and Cyber in One Policy vs Standalone E&O for AI Firms

Cowbell's Prime Tech blends Technology E&O with cyber on one policy, covering professional mistakes and cyber costs, with limits up to $5 million on Prime Tech and Prime Tech Plus. Risklytics is a licensed producer that places standalone Tech E&O with specialist insurers willing to write robotics, autonomy and AI risk, and treats cyber as a separate policy for hacks and leaks. Choose Cowbell if you want E&O and cyber in one policy from your agent; choose Risklytics if you build robotics, autonomy or AI and need an insurer that will cover model failures. ¹ ² ⁴ ³

AI-Exclusion Screening Only at Risklytics

Risklytics says some insurers quietly exclude AI-related losses, and it reads every form for AI exclusions before binding. Cowbell describes no such check, so ask how Prime Tech treats losses from your model's output. Risklytics cites a typical customer ask of $1 million to $5 million per claim, within Cowbell's $5 million maximum. ³ ¹

How You Apply

Cowbell sells Prime Tech through agents in all 50 states as a surplus-lines policy, which means a specialty insurer outside the standard state-approved market. Risklytics starts with an online application, keeps one producer on your file until you bind, and charges no broker fee on top of premium. Neither names the issuing insurer. ¹ ⁵ ⁴

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

Ask Risklytics to show the AI wording on its proposed form, and ask Cowbell whether Prime Tech covers losses from model output. ³ ¹
Check the actual limit on each quote against Cowbell's $5 million maximum. ³ ¹
With Risklytics, decide whether you also need a separate cyber policy. ³ ¹
Ask both which insurer issues the policy. ⁴ ¹

Cowbell vs Risklytics Tech E&O Insurance Compared

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

Criteria	Cowbell Prime Tech / Prime Tech Plus	Risklytics Professional Liability (Tech E&O) Insurance
Limits and Retentions	Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. ^1,²Company-reported. Product overview PDFs.	Risklytics lists a typical ask of $1 million to $5 million per claim for this line. ³Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	Cowbell targets Prime Tech and Prime Tech Plus at technology businesses with up to $1B in revenue, listing example segments such as SaaS/app service providers, IT consultants, data analytics, hardware resellers, and web design or web services firms. ^1,²Company-reported. Risk Appetite sections of both PDFs.	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. ³Company-reported. Lines page.
How to Apply	Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. ¹Company-reported. 'Prime Tech Coverage Benefits' list, first bullet.	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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. ¹Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. ¹Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. ^1,²Company-reported. Prime Tech and Prime Tech Plus overview PDFs.	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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. ¹Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.	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. ³Company-reported. Lines page.