---
title: "Embroker vs Risklytics Tech E&O Insurance"
description: "Embroker sells blended Tech E&O/Cyber up to $5M; Risklytics places Tech E&O after reading forms for silent AI exclusions."
canonical: "https://spot.insure/compare/embroker-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Embroker vs Risklytics Tech E&O Insurance

Embroker sells blended Tech E&O/Cyber up to $5M; Risklytics places Tech E&O after reading forms for silent AI exclusions.

## Research Scope and Use

Use this comparison to evaluate Embroker and Risklytics for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Embroker sells a blended Tech E&O/Cyber policy with advertised broker limits up to $5 million. Risklytics describes itself as a licensed producer that places Professional Liability (Tech E&O) with specialist insurers, distinguishes it from cyber, and says it reads every form for AI exclusions before binding. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Blended Product Versus Placed Tech E&O

Embroker sells Tech E&O/Cyber as one blended policy. Risklytics places Professional Liability (Tech E&O) with outside carriers and does not underwrite. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

Risklytics describes Tech E&O as responding when a product or service costs a customer money, and distinguishes that from cyber liability for hacks and data leaks. Embroker includes both cyber liability and professional negligence on the same blended policy. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

### AI Form Review and Typical Limits

Risklytics says some insurers quietly exclude AI-related losses and that it reads every policy form for AI exclusions before it binds. Embroker’s broker program advertises limits up to $5 million without describing an AI-exclusion review. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

Embroker Access requires multifactor authentication above $5 million in revenue and excludes crypto, blockchain, or cannabis. Risklytics says the coverage becomes relevant once a customer relies on a model’s output and that enterprise customers often require it before a first contract. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

### Fees and Application

Risklytics starts with an online application, says there is no broker fee on top of premium, and says a licensed producer stays on the file until bind. Embroker offers a direct online quote and a separate broker-appointment path. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

Neither Embroker nor Risklytics names the issuing insurer in the reviewed sources. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Risklytics to show AI exclusions on the proposed form; ask Embroker whether model-output losses sit in the blended policy or are excluded. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")
- Compare Risklytics’ $1–5 million typical ask with Embroker’s $5 million advertised limits and sub-limits. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")
- Confirm whether you still need standalone cyber with Risklytics versus Embroker’s blended form. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")
- Get issuing insurers and, for Embroker, whether excess is even available over its own primary. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## Offering Details

| Criteria | Embroker Technology Errors and Omissions / Cyber Insurance | Risklytics Professional Liability (Tech E&O) Insurance |
| --- | --- | --- |
| 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. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [6](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..) |
| Issuing Insurer | Not described in the reviewed sources. | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: Retail product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Conflicting sources; scope: Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote..) | 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. [9](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..) |
| 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). [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page..)<br><br>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. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | 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. [9](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](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..) |

## Full Comparison

- [Embroker vs Risklytics](https://spot.insure/compare/embroker-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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Embroker vs Risklytics Commercial Property Insurance](https://spot.insure/compare/embroker-vs-risklytics/commercial-property)
- [Embroker vs Risklytics Cyber Insurance](https://spot.insure/compare/embroker-vs-risklytics/cyber)
- [Embroker vs Risklytics D&O Insurance](https://spot.insure/compare/embroker-vs-risklytics/directors-officers)
- [Embroker vs Risklytics General Liability Insurance](https://spot.insure/compare/embroker-vs-risklytics/general-liability)
- [Embroker vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-risklytics/workers-compensation)
- [Alliance Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/technology-errors-omissions)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions)
- [Amelia Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/technology-errors-omissions)
- [Amelia Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions)
- [At-Bay vs Embroker Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-embroker/technology-errors-omissions)
- [At-Bay vs Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23.
5. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23.

### Risklytics

6. [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.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [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.
10. [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.

### Tech E&O Insurance Guide

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.

Updated 2026-09-24. 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.

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