--- title: "HUB International vs Relm Insurance: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/hub-international-vs-relm/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-relm" provider-a: "hub-international" provider-b: "relm" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-relm/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Relm Insurance for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Relm Insurance for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, HUB International or Relm Insurance? - What does HUB International or Relm Insurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: HUB International and Relm Insurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile - [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile # 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. Relm offers a separate Fintech E&O product for blockchain and regulatory exposures and flags AI risks, while HUB brokers tech E&O for 5,000-plus tech companies with adjustable prior-acts and tail terms. ## HUB International vs Relm Insurance Tech E&O Insurance Summary 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](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ## 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](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ### 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") ## 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") - 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](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask Relm about prior-acts and tail options; HUB documents them. [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") - Make sure you have separate cyber cover if your quote is E&O only. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") ## HUB International vs Relm Insurance Tech E&O Insurance Compared | 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. [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | ## About HUB International and Relm Insurance and Tech E&O Insurance - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for HUB International vs Relm Insurance Tech E&O - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): 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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [HUB International Tech E&O Insurance](https://spot.insure/insurance-providers/hub-international/technology-errors-omissions) - [Relm Insurance Tech E&O Insurance](https://spot.insure/insurance-providers/relm/technology-errors-omissions) ## Sources for HUB International vs Relm Insurance Tech E&O Insurance ### Sources About HUB International 1. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). 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. 2. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. ### Sources About Relm Insurance 3. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-relm/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)