--- title: "HUB International vs RiskCube: Tech E&O Insurance" description: "RiskCube shops Tech E&O for AI, fintech, govtech, defense, space and Web3 companies, typically quotes in about 24 hours, and can add excess for AI bias or hallucination claims. HUB customizes E&O for software, hardware and digital-media firms, including prior-acts and tail cover." canonical: "https://spot.insure/compare/hub-international-vs-riskcube/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-riskcube" provider-a: "hub-international" provider-b: "riskcube" 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-riskcube/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and RiskCube 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 RiskCube. 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 RiskCube for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, HUB International or RiskCube? - What does HUB International or RiskCube publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: HUB International and RiskCube. - 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 RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) — 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 - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # HUB International vs RiskCube: How Do They Compare for Tech E&O Insurance? RiskCube, an independent brokerage, compares carriers for AI/ML, fintech, govtech and Web3 firms and typically quotes in about 24 hours. HUB International sends you to a broker, with no online quote flow. RiskCube shops Tech E&O for AI, fintech, defense and Web3 companies, usually quoting in about 24 hours and adding AI excess; HUB is a broker for 5,000-plus tech companies that customizes E&O with prior-acts and tail cover. ## HUB International vs RiskCube Tech E&O Insurance Summary RiskCube shops Tech E&O for AI, fintech, govtech, defense, space and Web3 companies, typically quotes in about 24 hours, and can add excess for AI bias or hallucination claims. HUB customizes E&O for software, hardware and digital-media firms, including prior-acts and tail cover. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [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 RiskCube Tech E&O Insurance? ### Emerging-Tech Specialist vs a Broad Technology Practice Both broker Tech E&O and neither names the insurer. RiskCube scans the market as an independent brokerage for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models could cause customer losses or contract disputes. HUB folds tech E&O into its general E&O practice and a technology program for startups and established software, hardware and digital-media businesses, and says it has more than 5,000 technology clients. Choose RiskCube if you build AI, defense or Web3 products and want a quote fast; choose HUB if you’re a conventional software or hardware company that wants terms tailored. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [4](https://riskcubeai.com/disclosures "Disclosures & Compensation") [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") ### Detailed Cover and Exclusions vs Prior Acts and Tail RiskCube covers software errors and bugs, missed SLAs or contract terms, client losses caused by your product, related data loss and legal defense, and lists common exclusions: intentional wrongdoing or fraud, incidents known before binding, patent and other IP infringement, and financial insolvency. HUB’s general E&O covers defense, judgments, settlements and fines, with optional prior-acts cover and tail, which matter when you switch insurers. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ### About 24 Hours and AI Excess vs Broker Customization RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, then typically returns quotes in about 24 hours. It can layer excess for AI bias or hallucination claims and checks the waiver-of-subrogation wording enterprise contracts often require. HUB tailors placements through a broker conversation and describes neither a turnaround target nor AI excess. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ## What Should You Confirm in HUB International and RiskCube Tech E&O Insurance Quotes? - Get the insurer’s name from both. [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [4](https://riskcubeai.com/disclosures "Disclosures & Compensation") - Ask both how patent and other IP claims are treated on the quoted form. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - If a client contract requires a waiver of subrogation or AI wording, confirm it on both quotes. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask RiskCube about prior-acts and tail, which HUB describes. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ## HUB International vs RiskCube Tech E&O Insurance Compared | Criteria | HUB International Technology Errors and Omissions Insurance | RiskCube Technology Errors and Omissions (E&O) 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..) | 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. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "Who needs this coverage" section..) | | 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. [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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..) | | 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..) | 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. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "Common Exclusions" 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..) | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [3](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes..) | ## About HUB International and RiskCube 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) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for HUB International vs RiskCube Tech E&O Insurance - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube): 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) - [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions) ## Sources for HUB International vs RiskCube 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 RiskCube 3. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). 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. 4. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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. 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-riskcube/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)