Relm Insurance vs TechInsurance Tech E&O Insurance

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.

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. ⁶Company-reported. Tech E&O product page.

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.

The reviewed page does not name the issuing insurer for a tech E&O policy. ⁶Not publicly disclosed. Tech E&O product page as read on 2026-09-23.

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.

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. ⁶Company-reported. Tech E&O product page, Technology professionals we insure section.

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.

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). ⁶Company-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. ⁶Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.

Not described in the reviewed sources.

TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁶Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.