---
title: "Relm Insurance vs Resilience Tech E&O Insurance"
description: "Relm markets Tech E&O and a fintech variant; Resilience names Homeland underwriters, a revenue band and $10 million limits."
canonical: "https://spot.insure/compare/relm-vs-resilience/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Relm Insurance vs Resilience Tech E&O Insurance

Relm markets Tech E&O and a fintech variant; Resilience names Homeland underwriters, a revenue band and $10 million limits.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and Resilience 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

Relm markets Technology Errors and Omissions separately from cyber and offers Fintech E&O for blockchain and regulatory exposures. Resilience’s US disclosure names Homeland Insurance Company of New York or Delaware, with advertised limits up to $10 million for companies between $25 million and $10 billion in revenue. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [1](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [4](https://cyberresilience.com/ "Home Page") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## 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. [8](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [9](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [10](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

### Relm Product Versus Homeland Paper

Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page, and the reviewed page does not name a specific issuing insurer. Resilience’s US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### Who Each Offering Names

Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning. Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### Fintech Variant Versus Segment List

Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Resilience lists six technology segments it underwrites for E&O, including software (AI, security software and payment processors), and does not describe a separately named fintech E&O product on the reviewed page. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### Limits

Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. Relm’s reviewed page does not publish limit or retention amounts. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

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

- Confirm which Homeland company would issue Resilience coverage, and which insurer would issue Relm’s product. [6](https://cyberresilience.com/disclaimer/ "Disclaimer") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- If you are fintech, ask Relm whether Fintech E&O is quoted; check whether your revenue sits in Resilience’s published band. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")
- Compare Resilience’s advertised $10 million maximum with the limit on the Relm quote. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Confirm you are not treating Relm’s cyber product as a substitute for Tech E&O. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## Offering Details

| Criteria | Relm Technology Errors and Omissions Insurance | Resilience Technology E&O |
| --- | --- | --- |
| Role in This Line | Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for Tech E&O placements. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) | Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. [6](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published..) |
| Who It’s For | Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company..) | Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range..) |
| Coverage Features | Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control..)<br><br>Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product..)<br><br>Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section..) | Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23..) |
| Limits and Retentions | Not described in the reviewed sources. | Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote..) |
| How to Apply | Not described in the reviewed sources. | The reviewed technology E&O product page does not describe a self-service online application or quoting process; it routes visitors to request a quote rather than showing an application flow. [5](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Technology E&O product page, accessed 2026-09-23..) |
| Claims Support | Not described in the reviewed sources. | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. The reviewed pages do not describe a claims process specific to technology E&O separate from this shared claims team. [7](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) |

## Full Comparison

- [Relm Insurance vs Resilience](https://spot.insure/compare/relm-vs-resilience): 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.
- [Relm Insurance vs Resilience Cyber Insurance](https://spot.insure/compare/relm-vs-resilience/cyber)
- [Alliance Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/technology-errors-omissions)
- [Amelia Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/technology-errors-omissions)
- [Amelia Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/technology-errors-omissions)
- [At-Bay vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-relm/technology-errors-omissions)
- [At-Bay vs Resilience Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions)

## Sources

### Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/). Relm Insurance; What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance?. Accessed 2026-09-23.

### Resilience

4. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
5. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
6. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
7. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

### Tech E&O Insurance Guide

8. [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.
9. [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.
10. [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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