---
title: "Relm Insurance vs Risklytics: Tech E&O Insurance"
description: "Fintech and blockchain companies should look at Relm, which sells a dedicated Fintech E&O product. AI companies should look at Risklytics, which reads every form for hidden AI exclusions, cites a typical request of $1 million to $5 million per claim and lets you apply online."
canonical: "https://spot.insure/compare/relm-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "relm-vs-risklytics"
provider-a: "relm"
provider-b: "risklytics"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

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

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

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

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

Risklytics, a licensed producer, places E&O with outside carriers and lists a typical ask of $1 million to $5 million per claim; Relm Insurance markets tech E&O as professional liability for the technology sector, separate from cyber.

Relm offers a separate Fintech E&O product for blockchain and regulatory risk, while Risklytics lets AI companies apply online, checks every form for hidden AI exclusions and adds no broker fee.

## Relm Insurance vs Risklytics Tech E&O Insurance Summary

Fintech and blockchain companies should look at Relm, which sells a dedicated Fintech E&O product. AI companies should look at Risklytics, which reads every form for hidden AI exclusions, cites a typical request of $1 million to $5 million per claim and lets you apply online. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

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

### Fintech Form vs AI Exclusion Review

Relm sells tech E&O through brokers and offers a separate Fintech E&O product for when standard tech E&O isn’t enough for blockchain vulnerabilities and regulatory scrutiny. Risklytics, a licensed producer that places tech E&O with outside insurers, says some insurers quietly exclude AI-related losses and reads every form for those exclusions before binding. Relm cites AI claims such as biased decisions, model theft and data poisoning but describes no such review. Choose Relm if you are a fintech or blockchain company; choose Risklytics if you sell an AI product and need to be sure its outputs are covered. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### Online Application With No Broker Fee vs Broker Channel

Risklytics starts with an online application and says it adds no broker fee on top of premium; it cites $1 million to $5 million per claim as a typical request. Relm publishes no limits and no application path, so you go through a broker. [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### Service and Advice Failures vs Product Errors

Relm frames tech E&O around poor service delivery, contract failures, system failures or software glitches and negligent advice, and warns it overlaps with cyber without replacing it. Risklytics illustrates a product error that costs a customer money, such as a perception model mislabeling shipments, and keeps that distinct from cyber for hacks and leaks. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

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

- Ask both which insurer issues the policy; neither names one. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- If you are a fintech, ask Relm whether Fintech E&O is quoted; ask Relm how its form treats AI-related losses. [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Get Relm’s proposed limit and compare it with the $1 million to $5 million range Risklytics cites. [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Ask Relm’s broker how it is paid; Risklytics says it adds no fee. [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## Relm Insurance vs Risklytics Tech E&O Insurance Compared

| Criteria | Relm Technology Errors and Omissions Insurance | Risklytics Professional Liability (Tech 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. [1](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..) | 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. [2](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](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. [1](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. [1](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..) | 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. [2](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 | Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. [1](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..) | 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. [3](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 Relm Insurance and Risklytics and Tech E&O Insurance

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

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

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

### Sources About Relm Insurance

1. [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.

### Sources About Risklytics

2. [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.
3. [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.
4. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/relm-vs-risklytics/technology-errors-omissions.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)