Resilience vs StartupInsurance.ai Tech E&O Insurance

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. ²Company-reported. Technology E&O product page introduction, accessed 2026-09-23.

StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. ^7,8Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.

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. ^3,2Company-reported. 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.

The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. ⁷Not publicly disclosed. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.

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. ²Company-reported. "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range.

Not described in the reviewed sources.

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. ²Company-reported. "Coverage Certainty" benefit on the product page; the actual policy as issued controls.

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. ²Company-reported. "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23.

StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. ⁷Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.

StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. ⁷Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.

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. ²Company-reported. "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote.

Not described in the reviewed sources.

Not described in the reviewed sources.

StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. ⁷Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.

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. ²Not publicly disclosed. Technology E&O product page, accessed 2026-09-23.

"Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. ⁶Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.

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. ⁴Company-reported. 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.