---
title: "HUB International vs Risklytics: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-risklytics"
provider-a: "hub-international"
provider-b: "risklytics"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-risklytics/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Risklytics 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 Risklytics. 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 Risklytics for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, HUB International or Risklytics?
- What does HUB International or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: HUB International and Risklytics.
- 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 Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 places Tech E&O online, screens every form for hidden AI exclusions and cites a typical $1 million to $5 million limit, while HUB's brokers tailor prior-acts and tail terms for software, hardware and media firms.

## HUB International vs Risklytics Tech E&O Insurance Summary

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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech 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 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

### 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

### 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech 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 Risklytics Tech E&O Insurance Quotes?

- Ask both which insurer would write your policy; neither names one. [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Ask Risklytics to show any AI exclusions on the quoted form, and ask HUB the same about its placement. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Compare Risklytics' typical $1 million to $5 million ask with the per-claim and aggregate limits HUB proposes. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Ask HUB how it's paid on this line; Risklytics says its commission comes from premium with no extra fee. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

## HUB International vs Risklytics Tech E&O Insurance Compared

| 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. [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..) | 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. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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](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..) | 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. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |

## About HUB International and Risklytics 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)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for HUB International vs Risklytics Tech E&O Insurance

- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics): 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)
- [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions)

## Sources for HUB International vs Risklytics 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 Risklytics

3. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). 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.
4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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-risklytics/technology-errors-omissions.md)
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- [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)