Foxquilt vs Relm Insurance: How Do They Compare for Tech E&O Insurance?

Relm says standard Tech E&O may not be sufficient for fintech and offers a distinct Fintech E&O product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O; a separate technology form is not established. ^3,⁶

What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. ^1,²

Read the Foxquilt profile

Read the Foxquilt Tech E&O Insurance page

What Is Relm Insurance?

Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. ^4,⁵

Read the Relm Insurance profile

Read the Relm Insurance Tech E&O Insurance page

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

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. ^7,^8,^9,^10,^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Technology and fintech scope

Relm describes Tech E&O for service failures, software glitches affecting customers, negligent advice and failure to disclose product limits. It also says standard Tech E&O may not be sufficient for fintech firms and offers a separate Fintech E&O product addressing blockchain vulnerabilities and heightened regulatory scrutiny. Foxquilt names technology and creative businesses under broader professional E&O but does not establish a tech-specific form. A fintech buyer should ask how Relm separates the two lines and whether Foxquilt can quote the relevant regulated activities. ⁶ ³

Cyber coordination

Relm describes Tech E&O and cyber as overlapping coverages that do not replace one another, and separately describes its fintech product. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O. A fintech buyer can compare Relm’s line-specific descriptions with the product class and terms on a Foxquilt quote. ⁶ ³

What to Confirm in Tech E&O Insurance Quotes

Ask Relm whether your fintech activities need its separate Fintech E&O form and how it coordinates with cyber. Ask Foxquilt for the technology-specific grant, cyber wording and issuing insurer for the activities and contracts you want covered. ⁶ ³

Foxquilt and Relm Insurance Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.^[12]^[5]^[6]

Read Foxquilt reviews

Relm Insurance Review Score

-/ 10

Review Score

No reviews found

We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.^[9]

Read Relm Insurance reviews

Foxquilt vs Relm Insurance Tech E&O Insurance Compared

Foxquilt vs Relm Insurance: Tech E&O Insurance: documented features by provider

Criteria	Foxquilt Technology / Creative E&O class	Relm Technology Errors and Omissions Insurance
Role in This Line	Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.
Issuing Insurer	Confirm in your quote.	The reviewed page does not name a specific issuing insurer for Tech E&O placements. ⁶Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.
Who It’s For	Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. ⁶Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
Coverage Features	The cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁶Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁶Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁶Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.
Limits and Retentions	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.	Confirm in your quote.
How to Apply	The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Confirm in your quote.

Related Pages for Foxquilt vs Relm Insurance Tech E&O Insurance

Tech E&O Insurance Pages for Foxquilt and Relm Insurance

Other Coverage Lines Compared for Foxquilt vs Relm Insurance

Other Tech E&O Insurance Provider Comparisons

Sources for Foxquilt vs Relm Insurance Tech E&O Insurance

Sources About Foxquilt

Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.

Sources About Relm Insurance

Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
Cyber and Technology Errors and Omissions. Relm Insurance; What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? Accessed 2026-09-23.

Sources for the Tech E&O Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
Insurance and Bonding Guidelines. 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.
Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. 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.
DigiTech Enterprise Risk Management. 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.
Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.