Relm Insurance vs 
Risklytics Tech E&O Insurance
Relm sells Tech E&O and Fintech E&O; Risklytics cites a typical $1–5 million procurement ask and screens policy forms for AI exclusions.
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. 1,2
What Is Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 4,5,6
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. 9,10,11
Key Differences in Tech E&O Insurance
Relm Product Versus Risklytics Placement
Relm markets Technology Errors and Omissions as a technology-sector professional-liability product sold through brokers. Risklytics Insurance Services says it publishes NPN 22311838 and places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it also says it does not underwrite. Neither names a default issuing insurer. 3 4 7
Fintech Variant Versus AI Exclusion Review
Relm offers Fintech E&O when standard Tech E&O is not enough for blockchain-related vulnerabilities and regulatory scrutiny. Risklytics says some insurers quietly exclude AI-related losses and that it reads every policy form for those exclusions before binding. Relm’s page cites AI-related claim examples such as biased model decisions, model theft or data poisoning but does not describe a form-by-form AI-exclusion review. 3 7
Typical Limit Ask
Risklytics lists a typical ask of $1 million to $5 million per claim. Relm’s reviewed page does not publish limit amounts. 7 3
How a Claim Is Framed and How You Apply
Relm describes inadequate service delivery, contractual failures, system failures or software glitches, and negligent advice, and notes that Tech E&O and cyber overlap without replacing each other. Risklytics illustrates a product or service that costs a customer money, such as a perception model mislabeling shipments, and distinguishes that from cyber for hacks and leaks. You start Risklytics through an online application with no extra broker fee on top of premium; Relm’s reviewed page does not describe an application path. 3 7 8
What to Confirm in Tech E&O Insurance Quotes
- Identify the issuing insurer on both. 3 7
- If you are fintech, ask Relm whether Fintech E&O is quoted, and have Risklytics show any AI exclusions on the form. 3 7
- Compare Risklytics’ typical $1–5 million ask with the limit on the Relm quote. 7 3
- Confirm compensation and whether you apply online or through a Relm broker. 8 3
Offering Details
Relm Insurance vs Risklytics Tech E&O Insurance: documented features by provider
| Criteria | Relm Technology Errors and Omissions Insurance | Risklytics Professional Liability (Tech E&O) Insurance |
|---|---|---|
| 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. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. | 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. |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for Tech E&O placements. 3Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 7,4Company-reported. Lines page and about page; no specific insurer is published for this line. |
| 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. 3Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. | 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. 7Company-reported. Lines page. |
| 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. 3Company-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. 3Company-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. 3Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section. | 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. 7Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. 7Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | Not described in the reviewed sources. | Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. 7Company-reported. Lines page. |
| How to Apply | Not described in the reviewed sources. | You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More Relm Insurance vs Risklytics Comparisons
Other Tech E&O Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- 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.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Professional Liability (Tech E&O) Insurance. 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.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
