---
title: "Resilience vs Risklytics Tech E&O Insurance"
description: "Resilience names Homeland underwriters and $10M Tech E&O capacity; Risklytics places the line after reading forms for AI exclusions."
canonical: "https://spot.insure/compare/resilience-vs-risklytics/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Resilience vs Risklytics Tech E&O Insurance

Resilience names Homeland underwriters and $10M Tech E&O capacity; Risklytics places the line after reading forms for AI exclusions.

## Research Scope and Use

Use this comparison to evaluate Resilience and Risklytics 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

Resilience’s US Tech E&O is distributed by Ocrea and underwritten by Homeland Insurance Company of New York or Delaware, with advertised limits up to $10 million. Risklytics describes itself as a licensed producer that places Professional Liability (Tech E&O) with unnamed specialist carriers and says it reads every form for AI exclusions before binding. [3](https://cyberresilience.com/disclaimer/ "Disclaimer") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## What Is Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [1](https://cyberresilience.com/ "Home Page") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](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

### Who Underwrites Versus Who Places

Resilience discloses that US Technology E&O is distributed by Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. Risklytics Insurance Services (NPN 22311838) says it does not underwrite; it places Professional Liability (Tech E&O) with specialist insurers, and the carrier name appears on the bound policy. [3](https://cyberresilience.com/disclaimer/ "Disclaimer") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

### Limit Figures Each Publishes

Resilience advertises Tech E&O limits up to $10 million, primary or excess, for companies with $25 million to $10 billion in revenue. Risklytics lists a typical buyer ask of $1 million to $5 million per claim, as what enterprise customers often require before a first contract. One is a stated program maximum; the other is a procurement range, not Risklytics’ capacity. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

### AI Wording Before Bind

Risklytics says some insurers exclude AI-related losses and that it reads every policy form for those exclusions before it binds. Resilience lists software including AI among the segments it underwrites and describes endorsements written into the form; its reviewed sources do not describe an AI-exclusion screen. Ask both how model-output claims sit in the quoted wording. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

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

- Get the Homeland entity on a Resilience quote and the specialist insurer Risklytics binds. [3](https://cyberresilience.com/disclaimer/ "Disclaimer") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Compare Resilience’s advertised $10 million cap with the $1–$5 million range Risklytics says buyers typically request. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Confirm whether your revenue is inside Resilience’s $25 million–$10 billion window. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")
- Ask how you apply: Risklytics starts online with no broker fee on top of premium; Resilience’s reviewed sources request a quote and do not describe a self-service flow. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

## Offering Details

| Criteria | Resilience Technology E&O | Risklytics Professional Liability (Tech E&O) Insurance |
| --- | --- | --- |
| Role in This Line | Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) | 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. [5](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..) |
| Issuing Insurer | Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. [3](https://cyberresilience.com/disclaimer/ "Disclaimer") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | 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. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range..) | 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. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23..) | 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. [8](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..) |
| Limits and Retentions | Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote..) | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | The reviewed technology E&O product page does not describe a self-service online application or quoting process; it routes visitors to request a quote rather than showing an application flow. [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Technology E&O product page, accessed 2026-09-23..) | 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. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| Claims Support | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. The reviewed pages do not describe a claims process specific to technology E&O separate from this shared claims team. [4](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Resilience vs Risklytics](https://spot.insure/compare/resilience-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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Resilience vs Risklytics Cyber Insurance](https://spot.insure/compare/resilience-vs-risklytics/cyber)
- [Alliance Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/technology-errors-omissions)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions)
- [Amelia Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/technology-errors-omissions)
- [Amelia Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions)
- [At-Bay vs Resilience Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions)
- [At-Bay vs Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions)

## Sources

### Resilience

1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
2. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
3. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
4. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

### Risklytics

5. [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.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [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.
9. [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.

### Tech E&O Insurance Guide

10. [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.
11. [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.
12. [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 2026-09-24. 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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