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

Risklytics, a licensed producer, places tech E&O with outside carriers with a typical ask of $1 million to $5 million. Embroker sells a blended Tech E&O/Cyber policy, quoted online, with broker-program limits up to $5 million.

AI companies should look at Risklytics, which reads every policy form for hidden AI exclusions before binding and charges no broker fee on top of premium. Embroker sells tech E&O and cyber as one blended policy up to $5 million, but describes no check on how it treats AI losses. ^3,^4,^1,²

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

AI Exclusion Check vs Blended Policy Without One

Risklytics places professional liability (tech E&O) with outside insurers and says some insurers quietly exclude AI-related losses, so it reads every form for AI exclusions before binding. It says the cover matters once a customer relies on your model’s output, and that enterprise customers often require it before a first contract. Embroker sells tech E&O and cyber as one blended policy with advertised limits up to $5 million, and describes no AI-exclusion review. Choose Risklytics if you sell an AI product to enterprise customers; choose Embroker if you want E&O and cyber on one policy and aren’t in crypto, blockchain or cannabis. ⁴ ³ ¹ ²

Separate Cyber vs Cyber on the Same Policy

Risklytics treats tech E&O as cover for when your product or service costs a customer money, separate from cyber liability for hacks and data leaks, so you may need a second policy. Embroker puts cyber liability and professional negligence on the same blended policy, but requires multifactor authentication once you pass $5 million in revenue. ³ ¹ ²

No Broker Fee vs Direct or Broker Channel

Risklytics starts with an online application, says it adds no broker fee on top of premium, and keeps a licensed producer on your file until bind. Embroker offers a direct online quote and a separate path through appointed brokers. ⁵ ¹

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

Ask Embroker whether losses from your model’s output are covered or excluded, and ask Risklytics to show you the AI language on its proposed form. ³ ¹
Compare Risklytics’ typical $1 million to $5 million request with Embroker’s $5 million limit and sub-limits. ³ ²
Ask Risklytics whether you need a standalone cyber policy too. ³
Ask both which insurer issues the policy; neither names one. Embroker’s excess can’t sit above its own primary. ¹ ⁴

Embroker vs Risklytics Tech E&O Insurance Compared

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

Criteria	Embroker Technology Errors and Omissions / Cyber Insurance	Risklytics Professional Liability (Tech E&O) Insurance
Limits and Retentions	Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ²Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ¹Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.	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	Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. ²Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.	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	Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. ^1,²Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.	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	Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. ¹Company-reported. Retail product-page What's covered section; the issued policy and declarations control.	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	Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. ^1,²Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.	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.