HUB International vs 
Risklytics Tech E&O Insurance
HUB places tech E&O through a broker with no published limit amounts; Risklytics cites a typical $1–5 million ask and screens forms for AI exclusions.
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 Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 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. 10,11,12
Key Differences in Tech E&O Insurance
Producer Models
HUB and Risklytics both place this line with outside carriers rather than underwrite it. HUB does so through its E&O product page and technology-industry practice, sending you to a broker. Risklytics Insurance Services says it publishes NPN 22311838 and places Risklytics Professional Liability (Tech E&O) Insurance through an online application, says there is no broker fee on top of premium, and states that a producer it describes as licensed stays on the file until bind. 4 3 5 9
When the Coverage Matters
HUB’s technology page addresses startups and established software, hardware or digital-media businesses. Risklytics says enterprise customers usually require this coverage in procurement before a first customer contract, and that it becomes relevant once a customer relies on a model’s output. 3 8
AI Exclusions and Typical Limits
Risklytics calls Tech E&O the hardest line to get right because some insurers quietly exclude AI-related losses, and it says it reads every policy form for those exclusions before binding. It lists a typical ask of $1 million to $5 million per claim. HUB’s E&O page says policies typically include per-claim and aggregate limits without publishing amounts, and its reviewed pages do not describe an AI-exclusion review. 8 4
What a Claim Looks Like
HUB describes allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, with optional prior-acts and tail. Risklytics describes the line as responding when a product or service costs a customer money—for example a perception model mislabeling shipments or an integration error corrupting order data—and distinguishes that from cyber liability for hacks and data leaks. 4 8
What to Confirm in Tech E&O Insurance Quotes
- Ask both producers which specialist insurer would write the risk; neither names a default carrier. 4 8 5
- Have Risklytics show any AI-related exclusions on the quoted form, and ask HUB the same question on its placement. 8 4
- Compare the $1–5 million typical ask Risklytics cites with the per-claim and aggregate limits HUB would bind. 8 4
- Confirm compensation: Risklytics says commission comes from premium with no extra broker fee; ask HUB how it is paid on this line. 9 4
Offering Details
HUB International vs Risklytics Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | Risklytics Professional Liability (Tech 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. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. 5Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| 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. | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 8,5Company-reported. Lines page and about page; no specific insurer is published for this line. |
| 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. | Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. 8Company-reported. Lines page. |
| 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. | Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. 8Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. 8Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | Not described in the reviewed sources. | Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. 8Company-reported. Lines page. |
| 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. | You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More HUB International vs Risklytics 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.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Professional Liability (Tech E&O) Insurance. Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.
