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

RiskCube is an independent brokerage that compares carriers and typically returns quotes within about 24 hours; Relm Insurance markets tech E&O as professional liability separate from cyber, with a distinct fintech version.

Relm sells Tech E&O separately from cyber, plus a dedicated Fintech E&O product for blockchain and regulatory risk, through your broker; RiskCube is an independent broker that compares Tech E&O across insurers for AI, fintech, govtech, defense, space and Web3 companies and quotes in about 24 hours. ^1,²

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

Dedicated Fintech Form vs a Broker Scanning Insurers for AI and Web3

Relm sells Technology E&O as professional liability through brokers, separate from cyber, and offers a separate Fintech E&O product for blockchain-related vulnerabilities and heightened regulatory scrutiny. RiskCube is a broker, not an insurer, that compares Tech E&O across insurers for AI/ML, fintech, govtech, defense, space and Web3 companies, and typically returns quotes in about 24 hours depending on complexity. Neither names the insurer for a given policy. Choose Relm if you're a fintech that wants a form built for blockchain and regulatory claims; choose RiskCube if you're an AI, defense or space company, or need a quote within a day. ¹ ² ³

AI Excess and MSA Checks vs Published Claim Types

RiskCube can layer excess cover for AI-specific gaps such as algorithmic-bias or hallucination claims, and checks the waiver-of-subrogation language enterprise customers put in MSAs. It lists common exclusions: intentional wrongdoing or fraud, known incidents, patent and other IP infringement, and insolvency. Relm lists poor service delivery or contract failures, system failures or software glitches, and negligent advice or undisclosed product limitations, and warns that Tech E&O and cyber overlap but one doesn't replace the other. Relm doesn't describe AI excess or MSA checks. ² ¹

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

Ask both which insurer issues the policy. ¹ ³
If you're a fintech, ask Relm whether you're quoted Fintech E&O, and ask RiskCube how its compared forms treat blockchain and regulatory claims. ¹ ²
Ask both how IP infringement is treated; RiskCube lists it among common exclusions. ² ¹
If your customer contracts require waiver of subrogation or you need AI excess, ask whether each quote provides it. ² ¹

Relm Insurance vs RiskCube Tech E&O Insurance Compared

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

Criteria	Relm Technology Errors and Omissions Insurance	RiskCube Technology Errors and Omissions (E&O) Insurance
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. ¹Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.	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. ²Company-reported. Tech E&O product page "Who needs this coverage" section.
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. ¹Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. 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. ¹Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. 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. ¹Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.	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. ²Company-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. ²Company-reported. Tech E&O product page "Common Exclusions" section.
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. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ²Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.

Criteria

Relm Technology Errors and Omissions Insurance

RiskCube Technology Errors and Omissions (E&O) Insurance

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. ¹Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.

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. ²Company-reported. Tech E&O product page "Who needs this coverage" section.

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. ¹Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.

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. ¹Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.

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. ¹Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

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. ²Company-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. ²Company-reported. Tech E&O product page "Common Exclusions" section.

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. ¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ²Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.