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

Relm Insurance sells tech E&O separately from its cyber product and adds a Fintech E&O option. HUB International is a broker that customizes a policy to your size, industry and desired limits, with no online quote flow.

Fintech, blockchain and AI companies should look at Relm, which sells a dedicated Fintech E&O product and names AI risks like model theft and data poisoning. HUB is a broker insuring more than 5,000 tech companies, and it can tailor prior-acts dates and tail cover on claims-made policies. ^3,^1,²

What Are the Key Differences Between HUB International and Relm Insurance Tech E&O Insurance?

Fintech and AI Specialist vs Broad Tech Brokerage

Relm markets tech E&O through brokers, alongside but separate from cyber, and offers a distinct Fintech E&O product because standard tech E&O isn’t always enough for blockchain vulnerabilities and heavier regulatory scrutiny. It cites AI exposures such as biased decisions, model theft and data poisoning. HUB brokers tech E&O through its E&O and technology practices for startups and established software, hardware and digital-media businesses, and says it insures more than 5,000 tech companies. Choose Relm if you are a fintech, blockchain or AI company; choose HUB if you are a general software, hardware or media business that wants a large broker. ³ ¹ ²

Adjustable Claims-Made Terms vs Product Failure Focus

HUB describes defense, judgments, settlements and fines from misrepresentation, breach of professional services and misleading advice, plus options to set prior-acts dates and buy tail cover so past work stays covered after you switch or close. Relm names service or contract failures, system failures or software glitches affecting customers, and negligent advice or failure to disclose product limitations. Relm also warns that tech E&O and cyber overlap but neither covers the other’s exposures. ¹ ³

What Should You Confirm in HUB International and Relm Insurance Tech E&O Insurance Quotes?

Ask both which insurer issues the policy; neither names one. ¹ ³
If you are a fintech, ask Relm whether you are quoted Tech E&O or Fintech E&O, and ask HUB how its placement treats blockchain and regulatory claims. ³ ¹
Ask Relm about prior-acts and tail options; HUB documents them. ¹ ³
Make sure you have separate cyber cover if your quote is E&O only. ³

HUB International vs Relm Insurance Tech E&O Insurance Compared

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
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. ²Company-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. ³Company-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. ¹Company-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. ³Company-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. ³Company-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. ³Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.
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. ^1,²Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

HUB International Technology Errors and Omissions Insurance

Relm Technology Errors and Omissions Insurance

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. ²Company-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. ³Company-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. ¹Company-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. ³Company-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. ³Company-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. ³Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

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. ^1,²Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.