Marsh vs RiskCube: How Do They Compare for Tech E&O Insurance?

Marsh has professional liability specialists for the technology industry and data center programs, while RiskCube, an independent brokerage, compares carriers and typically returns quotes within about 24 hours, targeting AI, fintech and Web3 firms among others.

Marsh places tech E&O as a professional-liability specialty and designs data-center programs that fill gaps standard forms leave. 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 claims. ^2,^1,³

What Are the Key Differences Between Marsh and RiskCube Tech E&O Insurance?

Data-Center Programs vs an Emerging-Tech Market Scan

Both are brokers and neither names the insurer. Marsh places technology among its specialized professional-liability industries and designs data-center programs, warning that off-the-shelf tech E&O leaves gaps at modern data-center scale. RiskCube is an independent brokerage that compares Tech E&O across insurers for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models could cause customer losses or contract disputes. Choose Marsh if you run data centers; choose RiskCube if you build AI, defense or Web3 products. ² ¹ ³ ⁴

AI Excess and Published Exclusions vs Neither Described

RiskCube lists common exclusions: intentional wrongdoing or fraud, known incidents, patent and other IP infringement, and insolvency. It can add excess for AI bias or hallucination claims and checks the waiver-of-subrogation wording enterprise contracts often require. Marsh publishes no exclusion list or AI excess. ³ ¹ ²

About 24 Hours to a Quote vs No Stated Timeline

RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, then typically returns quotes in about 24 hours. Marsh describes no quote timeline for this line. ³ ²

What Should You Confirm in Marsh and RiskCube Tech E&O Insurance Quotes?

Get the insurer, limits and retention on both quotes. ² ⁴
If you run a data center, ask Marsh how E&O is packaged with property and casualty; if you ship AI models, ask RiskCube about excess for bias or hallucination claims. ¹ ³
Ask both how IP infringement claims are treated. ³ ²
If a client contract requires a waiver of subrogation, confirm it on both quotes. ³ ¹

Marsh vs RiskCube Tech E&O Insurance Compared

Marsh vs RiskCube: Tech E&O Insurance: documented features by provider

Criteria	Marsh Technology Errors and Omissions Insurance	RiskCube Technology Errors and Omissions (E&O) Insurance
Who It’s For	Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ²Company-reported. Marsh professional liability page, What We Offer section.	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. ³Company-reported. Tech E&O product page "Who needs this coverage" section.
Coverage Features	Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. ¹Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.	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. ³Company-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. ³Company-reported. Tech E&O product page "Common Exclusions" section.
Role in This Line	Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. ^2,¹Company-reported. Marsh professional liability page and data-center insurance page.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ³Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.

Criteria

Marsh Technology Errors and Omissions Insurance

RiskCube Technology Errors and Omissions (E&O) Insurance

Who It’s For

Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ²Company-reported. Marsh professional liability page, What We Offer section.

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. ³Company-reported. Tech E&O product page "Who needs this coverage" section.

Coverage Features

Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. ¹Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.

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. ³Company-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. ³Company-reported. Tech E&O product page "Common Exclusions" section.

Role in This Line

Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. ^2,¹Company-reported. Marsh professional liability page and data-center insurance page.

RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ³Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.