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

TechInsurance packages E&O and cyber liability together for IT businesses at a published median of about $67 a month; Relm Insurance markets tech E&O as professional liability and keeps cyber a separate product.

Relm sells Tech E&O separately from cyber and offers a distinct Fintech E&O product for blockchain and regulatory risk. TechInsurance bundles E&O and cyber policies for small IT firms, reports a median of about $67 a month, and says IP disputes need an add-on. ^1,²

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

Separate E&O and Cyber vs a Two-Policy Bundle

Relm lists Technology E&O separately from cyber and says having one doesn’t protect you from the other’s exposures. TechInsurance sells E&O and cyber liability together as two policies built for IT and technology companies, including software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms. Choose Relm if you’re a fintech needing cover for blockchain and regulatory risk; choose TechInsurance if you’re a small IT firm that wants E&O and cyber together at a published price point. ¹ ²

A Fintech Product vs an IP Add-On

Relm offers a distinct Fintech E&O product for blockchain vulnerabilities and heightened regulatory scrutiny. TechInsurance says its standard bundle doesn’t cover intellectual-property or copyright disputes unless you add them. Each flags a different gap: fintech-specific wording at Relm, IP at TechInsurance. ¹ ²

Published Price and Claim List vs Claim Examples Only

TechInsurance reports a median of about $67 a month, roughly $807 a year, and says the E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract. Relm describes inadequate service delivery, contract failures, system failures or software glitches, and negligent advice, but publishes no price. ² ¹

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

Ask whether TechInsurance is quoting both policies, and whether Relm is quoting standard Tech E&O, Fintech E&O or either with cyber. ² ¹
Get the insurer’s name from both; neither publishes it. ² ¹
Get IP and copyright treatment in writing on both forms. ² ¹
Treat TechInsurance’s $67 median as a benchmark, not your price. ²

Relm Insurance vs TechInsurance Tech E&O Insurance Compared

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

Criteria	Relm Technology Errors and Omissions Insurance	TechInsurance Technology Errors and Omissions (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. ¹Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ²Company-reported. Tech E&O product page, Technology professionals we insure 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.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ²Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ²Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ²Company-reported. Tech E&O product page.

Criteria

Relm Technology Errors and Omissions Insurance

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

TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ²Company-reported. Tech E&O product page, Technology professionals we insure 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.

TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ²Company-reported. Tech E&O product page; general policy description, not a specific policy form.

TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ²Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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.

TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ²Company-reported. Tech E&O product page.