HUB International vs 
RiskCube Tech E&O Insurance
HUB customizes tech E&O through a broker conversation; RiskCube compares carrier forms for AI, fintech and Web3 buyers and aims for quotes in about 24 hours.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 5,6,7
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. 9,10,11
Key Differences in Tech E&O Insurance
Independent Broker Versus Multi-Industry Practice
HUB and RiskCube both broker this line and do not underwrite it. HUB folds technology E&O into a general E&O practice and a technology-industry program. RiskCube’s Tech E&O page describes scanning the market as an independent brokerage, and its disclosures state that coverage is issued by third-party carriers it does not name. 4 3 8 7
Who Each Page Targets
HUB’s technology page speaks to startups and established software, hardware or digital-media businesses and reports more than 5,000 technology clients. RiskCube targets AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes. 3 8
Coverage Lists and Exclusions
HUB’s general E&O description covers defense, judgments, settlements and fines from alleged professional-services failures, with optional prior-acts and tail. RiskCube describes cover for software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the product, related data loss and legal defense, and it lists common exclusions including intentional wrongdoing or fraud, incidents known before binding, patent and other intellectual-property infringement, and financial insolvency. 4 8
Speed of Quote and AI Excess
RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, and says it typically returns Tech E&O quotes within about 24 hours depending on complexity. It also says it can layer excess to address AI-related gaps such as algorithmic-bias or hallucination claims and checks waiver-of-subrogation language that enterprise MSAs request. HUB customizes placements through a broker conversation without describing a 24-hour quote target or an AI excess layer on the reviewed pages. 8 4
What to Confirm in Tech E&O Insurance Quotes
- Get the issuing carrier from both HUB and RiskCube. 4 7
- Ask RiskCube whether patent or other IP infringement is excluded on the quoted form, and how HUB’s placement treats those claims. 8 4
- If your MSA requires waiver of subrogation or AI-related wording, confirm those terms on both quotes. 8 4
- Compare turnaround: RiskCube’s stated about-24-hour path versus HUB’s broker-led customization. 8 4
Offering Details
HUB International vs RiskCube Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | RiskCube Technology Errors and Omissions (E&O) 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. | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 8Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes. |
| 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. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. 7,8Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23. |
| 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. | RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. 8Company-reported. Tech E&O product page "Who needs this coverage" section. |
| 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. | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. 8Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. 8Company-reported. Tech E&O product page "Common Exclusions" 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. | RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. 8Not publicly disclosed. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ. |
| Risk Services | Not described in the reviewed sources. | RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. 8Company-reported. Tech E&O product page "AI & enterprise risk" FAQ. |
| 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. | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. 8Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs. |
| Claims Support | Not described in the reviewed sources. | The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. 8Not found in reviewed sources. Tech E&O product page as read on 2026-09-23. |
Full Comparison
More HUB International vs RiskCube 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. 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.
