---
title: "Relm Insurance vs TechInsurance Tech E&O Insurance"
description: "Relm keeps Tech E&O separate from cyber and offers Fintech E&O; TechInsurance sells a two-policy E&O-plus-cyber bundle with a median premium."
canonical: "https://spot.insure/compare/relm-vs-techinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Relm Insurance vs TechInsurance Tech E&O Insurance

Relm keeps Tech E&O separate from cyber and offers Fintech E&O; TechInsurance sells a two-policy E&O-plus-cyber bundle with a median premium.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and TechInsurance for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Relm markets Tech E&O as distinct from cyber and offers a Fintech E&O product. TechInsurance sells technology E&O as a bundle of E&O and cyber liability policies, reports a median of about $67 per month, and says IP coverage usually must be added. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [7](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [8](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [9](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Separate Products Versus a Named Bundle

Relm presents Technology Errors and Omissions separately from cyber on the same line-of-business page and states that having one does not protect you from the exposures the other addresses. TechInsurance sells technology errors and omissions as a bundle of two policies—E&O and cyber liability—built for IT and technology companies. Neither reviewed page names the issuing insurer. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

### Fintech Variant Versus IP Add-On

Relm offers Fintech E&O for blockchain-related vulnerabilities and heightened regulatory scrutiny. TechInsurance says the standard bundle does not automatically include intellectual property or copyright disputes and that such coverage usually must be added. Relm’s reviewed page does not address IP as an add-on; TechInsurance’s reviewed page does not describe a separate fintech E&O product. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

### Claim Types on Each Page

Relm describes inadequate service delivery, contractual failures, system failures or software glitches, and negligent advice or undisclosed product limitations. TechInsurance says the E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits first-party and third-party breach cover. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

### Price and Professions

TechInsurance reports a median of $67 per month, or about $807 a year, from its book, and lists software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms. Relm says a business is exposed if it delivers software or tech services, including AI-related examples, and does not publish a premium statistic. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## What to Confirm in Tech E&O Insurance Quotes

- Ask whether TechInsurance’s quote is the two-policy bundle and whether Relm’s quote is standard Tech E&O, Fintech E&O, or both plus cyber. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Name the issuing insurer on both. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Confirm IP and copyright treatment on each form. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Treat TechInsurance’s median as a book figure, not your rate. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

## Offering Details

| Criteria | Relm Technology Errors and Omissions Insurance | TechInsurance Technology Errors and Omissions (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. [3](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..) | 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. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for Tech E&O placements. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page as read on 2026-09-23..) |
| 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. [3](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..) | 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. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [3](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. [3](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. [3](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..) | 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). [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page; general policy description, not a specific policy form..)<br><br>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. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section..) |
| Limits and Retentions | 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. [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |

## Full Comparison

- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance): 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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Relm Insurance vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/relm-vs-techinsurance/commercial-property)
- [Relm Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/relm-vs-techinsurance/cyber)
- [Relm Insurance vs TechInsurance D&O Insurance](https://spot.insure/compare/relm-vs-techinsurance/directors-officers)
- [Relm Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/employment-practices)
- [Relm Insurance vs TechInsurance General Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/general-liability)
- [Relm Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/relm-vs-techinsurance/inland-marine)
- [Relm Insurance vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-techinsurance/professional-errors-omissions)
- [Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/umbrella-excess)
- [Alliance Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/technology-errors-omissions)
- [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/technology-errors-omissions)
- [Amelia Risk vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/technology-errors-omissions)
- [Amelia Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/technology-errors-omissions)
- [At-Bay vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-relm/technology-errors-omissions)
- [At-Bay vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/technology-errors-omissions)

## Sources

### Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [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.

### TechInsurance

4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
5. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
6. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23.

### Tech E&O Insurance Guide

7. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
8. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
9. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. 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.

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