Marsh vs 
Risklytics: How Do They Compare for Tech E&O Insurance?
Risklytics suits a company whose customers rely on a model's output, with an online application, a typical ask of $1 million to $5 million per claim and a check for AI exclusions; Marsh has technology specialists and data center programs.
Risklytics suits AI-driven companies heading into enterprise deals: apply online, no broker fee, a typical $1 million to $5 million per-claim limit, and every form checked for hidden AI exclusions. Marsh suits larger or data-center operators, building Tech E&O into custom programs with property and casualty. 3,2,1
What Are the Key Differences Between Marsh and Risklytics Tech E&O Insurance?
AI-Exclusion Screening vs Data-Center Program Design
Both place Tech E&O with insurers they don't name. Risklytics says some insurers quietly exclude AI-related losses, so it reads every policy form for those exclusions before binding. Marsh says off-the-shelf Tech E&O can leave gaps at data-center scale and designs programs combining it with property and casualty. Choose Risklytics if your product runs on AI or models customers rely on; choose Marsh if you operate data centers or need E&O coordinated with other large lines. 3 4 1
Before Your First Enterprise Contract vs Specialist Industries
Risklytics describes claims when your product costs a customer money, such as a perception model mislabeling shipments, and says enterprise customers usually require the cover in procurement before your first contract. It cites a typical ask of $1 million to $5 million per claim. Marsh names technology among its professional liability specialties, alongside banking, insurance, asset management, media and healthcare, and publishes no Tech E&O limits. 3 2
Online Application With No Broker Fee vs Specialist-Led Placement
You start Risklytics online; it says it adds no broker fee on top of premium and is paid commission by the insurer. Marsh doesn't describe an online application or fees for this line. 5 4 2
What Should You Confirm in Marsh and Risklytics Tech E&O Insurance Quotes?
- Ask both for the issuing insurer. 2 3
- Ask Risklytics to show any AI exclusions on the quoted form, and ask Marsh how its placement treats model-output claims. 3 1
- Compare Risklytics' typical $1 million to $5 million ask with the limit Marsh proposes. 3 2
- Ask Marsh how it's paid on this placement. 5 2
Marsh vs Risklytics Tech E&O Insurance Compared
Marsh vs Risklytics: Tech E&O Insurance: documented features by provider
| Criteria | Marsh Technology Errors and Omissions Insurance | Risklytics Professional Liability (Tech 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. | 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. |
| 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. | 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 | 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. | 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. |
