---
title: "Marsh vs RiskCube Tech E&O Insurance"
description: "Marsh focuses tech E&O on data-center program gaps; RiskCube compares carrier forms for AI, fintech, defense and Web3 buyers."
canonical: "https://spot.insure/compare/marsh-vs-riskcube/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-riskcube/technology-errors-omissions)

# Marsh vs RiskCube Tech E&O Insurance

Marsh focuses tech E&O on data-center program gaps; RiskCube compares carrier forms for AI, fintech, defense and Web3 buyers.

## Research Scope and Use

Use this comparison to evaluate Marsh and RiskCube for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Marsh brokers technology E&O as a professional-liability specialty and packages it into data-center programs. RiskCube is an independent brokerage that compares Tech E&O across unnamed carriers for AI/ML, fintech, govtech, defense, space and Web3 companies. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [7](https://riskcubeai.com/ "Startup Business Insurance") [8](https://riskcubeai.com/licenses "Licenses & Disclosures") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## 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. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Global Broker Versus Independent Scanner

Marsh and RiskCube both broker this line. Marsh’s reviewed pages place technology among specialized professional-liability industries and inside data-center programs. RiskCube’s Tech E&O page presents an independent brokerage that compares policies across carriers, and its disclosures state it is not a carrier. Neither names the issuing insurer for a given placement. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

### Different Buyer Problems

Marsh’s coverage discussion is about off-the-shelf technology E&O leaving gaps at modern data-center scale. RiskCube targets companies whose software or models can create financial loss or contract-performance disputes, listing AI/ML, fintech, govtech, defense, space and Web3. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

### Exclusions and AI Excess

RiskCube lists common Tech E&O exclusions—intentional wrongdoing or fraud, known incidents, patent and other IP infringement, and insolvency—and says it can add excess for AI-related gaps such as algorithmic-bias or hallucination claims, including waiver-of-subrogation checks for enterprise MSAs. Marsh’s reviewed pages do not publish a Tech E&O exclusion list or an AI excess layer. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### Quote Timing

RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, and says it typically returns quotes within about 24 hours depending on complexity. Marsh’s reviewed pages do not describe a timed quote path for this line. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## What to Confirm in Tech E&O Insurance Quotes

- Name the issuing carrier on both quotes. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- If you run a data center, ask Marsh how E&O is packaged; if you ship AI models, ask RiskCube about excess for bias or hallucination claims. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")
- Review IP-infringement treatment; RiskCube lists it among common exclusions. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")
- Confirm waiver-of-subrogation if your MSA requires it. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## Offering Details

| Criteria | Marsh Technology Errors and Omissions Insurance | RiskCube Technology Errors and Omissions (E&O) Insurance |
| --- | --- | --- |
| 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. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [10](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..) |
| Issuing Insurer | The reviewed pages do not name a specific technology E&O insurer. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: Marsh professional liability and data-center insurance pages as read on 2026-09-23..) | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. [9](https://riskcubeai.com/disclosures "Disclosures & Compensation") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23..) |
| 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. [6](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") (Evidence: Company-reported; scope: 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. [10](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..) |
| 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. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [10](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..)<br><br>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. [10](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..) |
| Limits and Retentions | Not described in the reviewed sources. | RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page "How much Tech E&O coverage do startups need" FAQ..) |
| Risk Services | Not described in the reviewed sources. | RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "AI & enterprise risk" FAQ..) |
| How to Apply | Not described in the reviewed sources. | 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. [10](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..) |
| Claims Support | Not described in the reviewed sources. | The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not found in reviewed sources; scope: Tech E&O product page as read on 2026-09-23..) |

## Full Comparison

- [Marsh vs RiskCube](https://spot.insure/compare/marsh-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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Marsh vs RiskCube Crime Insurance](https://spot.insure/compare/marsh-vs-riskcube/crime)
- [Marsh vs RiskCube Cyber Insurance](https://spot.insure/compare/marsh-vs-riskcube/cyber)
- [Marsh vs RiskCube D&O Insurance](https://spot.insure/compare/marsh-vs-riskcube/directors-officers)
- [Marsh vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-riskcube/employment-practices)
- [Marsh vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-riskcube/fiduciary)
- [Alliance Risk vs Marsh Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/technology-errors-omissions)
- [Alliance Risk vs RiskCube Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/technology-errors-omissions)
- [Amelia Risk vs Marsh Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/technology-errors-omissions)
- [Amelia Risk vs RiskCube Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/technology-errors-omissions)
- [At-Bay vs Marsh Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-marsh/technology-errors-omissions)
- [At-Bay vs RiskCube Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-riskcube/technology-errors-omissions)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
6. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

### RiskCube

7. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
8. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
9. [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.
10. [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.

### Tech E&O Insurance Guide

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. 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.

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