HUB International vs 
Relm Insurance Tech E&O Insurance
HUB brokers claims-made tech E&O with optional tail; Relm sells a distinct Tech E&O product plus a fintech E&O variant through brokers.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
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. 8,9,10
Key Differences in Tech E&O Insurance
Broker Placement Versus Relm’s Product
HUB brokers technology E&O through its general E&O and technology-industry practices and does not underwrite the policy. Relm markets Technology Errors and Omissions as professional liability for the technology sector, sold through brokers, and presents it on the same page as—but separate from—cyber liability. Neither HUB nor Relm names the issuing insurer on the reviewed pages. 4 3 7
What the Coverage Descriptions Emphasize
HUB’s general E&O page talks about defense costs, judgments, settlements and fines from alleged misrepresentation, breach of professional services, wrongful practices and misleading advice, plus optional prior-acts and tail. Relm says Tech E&O covers inadequate service delivery or failure to meet contractual obligations, system failures or software glitches that affect customers, and negligent advice, misrepresentation or failure to disclose product limitations, typically including defense, settlements and judgments. 4 7
Fintech and Overlap With Cyber
Relm says standard Tech E&O is not always enough for fintech companies and offers a distinct Fintech Errors and Omissions product for blockchain-related vulnerabilities and heightened regulatory scrutiny. It also states that Tech E&O and cyber overlap but that buying one does not cover the other’s exposures. HUB’s reviewed pages list technology among served industries and do not describe a separate fintech E&O product. 7 4
Audience
HUB addresses startups and established software, hardware or digital-media businesses and reports insuring more than 5,000 technology companies. Relm says a business is exposed if it delivers software or tech services, citing examples such as biased AI decisions, model theft or data poisoning. 3 7
What to Confirm in Tech E&O Insurance Quotes
- Identify the issuing insurer on both quotes. 4 7
- If you are a fintech, ask Relm whether the quote is standard Tech E&O or the Fintech E&O product, and ask HUB how the placement treats blockchain and regulatory claims. 7 4
- Confirm prior-acts, retroactive date and tail on the HUB form; Relm’s reviewed page does not describe those options. 4 7
- Check how each quote treats cyber versus E&O so you are not relying on one for the other. 7 3
Offering Details
HUB International vs Relm Insurance Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | Relm Technology Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. 4,3Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer. | Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. 4,3Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either. | The reviewed page does not name a specific issuing insurer for Tech E&O placements. 7Not 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 | HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. 3Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program. | 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. 7Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. 4Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry. | 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. 7Company-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. 7Company-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. 7Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section. |
| Limits and Retentions | HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. 4Not publicly disclosed. E&O product-page structure description; specific limits are set on the quote and declarations. | Not described in the reviewed sources. |
| How to Apply | HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. 4Company-reported. Product-page call to action as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs Relm Insurance Comparisons
Other Tech E&O Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23.
- Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23.
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.
Tech E&O Insurance Guide
- 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.
- 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.
