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

Risklytics is a licensed producer with an online application and a typical ask of $1 million to $5 million. HUB International connects you with a broker instead, with no online quote flow.

Risklytics suits AI companies: you apply online, it reads every form for hidden AI exclusions, charges no broker fee and cites a typical $1 million to $5 million per-claim limit. HUB is a broker that tailors claims-made terms, such as prior-acts dates and tail cover, for software, hardware and digital-media firms. ^3,^1,²

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

AI-Exclusion Screening Online vs Tailored Claims-Made Terms

Both place Tech E&O with outside insurers. Risklytics calls it the hardest line to get right because some insurers quietly exclude AI-related losses, so it reads every form for those exclusions before binding; you apply online and it adds no broker fee on top of premium. HUB sends you to a broker who can tailor prior-acts dates and extended reporting periods, and doesn't describe an AI-exclusion review. Choose Risklytics if your product depends on AI or model output; choose HUB if you're switching insurers and need past work covered or tail cover arranged. ³ ⁵ ¹

Before Your First Enterprise Contract vs Established Tech Businesses

Risklytics says enterprise customers usually require this coverage in procurement before your first contract, once they rely on your model's output, and cites a typical ask of $1 million to $5 million per claim. HUB's technology page addresses startups and established software, hardware and digital-media businesses, and says policies include per-claim and aggregate limits without publishing amounts. ³ ² ¹

Model-Output Losses vs Professional-Advice Allegations

Risklytics describes claims when your product costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and separates that from cyber liability. HUB describes allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice. ³ ¹

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

Ask both which insurer would write your policy; neither names one. ¹ ⁴
Ask Risklytics to show any AI exclusions on the quoted form, and ask HUB the same about its placement. ³ ¹
Compare Risklytics' typical $1 million to $5 million ask with the per-claim and aggregate limits HUB proposes. ³ ¹
Ask HUB how it's paid on this line; Risklytics says its commission comes from premium with no extra fee. ⁵ ¹

HUB International vs Risklytics Tech E&O Insurance Compared

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
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.	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. ³Company-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. ¹Company-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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.