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

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

## Agent Guide

**What this page is:** Focused comparison of Marsh 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 Marsh versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh vs Risklytics for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Marsh or Risklytics?
- What does Marsh or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Marsh 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:**
- [Marsh vs Risklytics](https://spot.insure/compare/marsh-vs-risklytics) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 places Tech E&O online for AI companies, screens forms for hidden AI exclusions and cites a typical $1 million to $5 million limit, while Marsh builds Tech E&O into custom programs, including data-center towers.

## Marsh vs Risklytics Tech E&O Insurance Summary

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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

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

- Ask both for the issuing insurer. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Ask Risklytics to show any AI exclusions on the quoted form, and ask Marsh how its placement treats model-output claims. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Compare Risklytics' typical $1 million to $5 million ask with the limit Marsh proposes. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")
- Ask Marsh how it's paid on this placement. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## Marsh vs Risklytics Tech E&O Insurance Compared

| 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. [2](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..) | 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..) |
| 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. [1](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..) | 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 | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [1](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..) | 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 Marsh and Risklytics and Tech E&O Insurance

- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/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 Marsh vs Risklytics Tech E&O Insurance

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

## Sources for Marsh vs Risklytics Tech E&O Insurance

### Sources About Marsh

1. [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.
2. [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.

### 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.

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- [Markdown page](https://spot.insure/compare/marsh-vs-risklytics/technology-errors-omissions.md)
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