--- title: "Resilience vs StartupInsurance.ai" description: "Compare StartupInsurance.ai’s contract and policy review with Resilience’s specialist cyber and technology E&O offering." canonical: "https://spot.insure/compare/resilience-vs-startupinsurance" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Resilience", "StartupInsurance.ai"] --- [Human-readable page](https://spot.insure/compare/resilience-vs-startupinsurance) # Resilience vs StartupInsurance.ai Compare StartupInsurance.ai’s contract and policy review with Resilience’s specialist cyber and technology E&O offering. ## Research Scope and Use Use this comparison to evaluate Resilience and StartupInsurance.ai against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Resilience combines cyber and technology E&O offerings with separate security services. StartupInsurance.ai is a ContractorNerd marketing brand offering startup coverage placement and policy review. [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Introduction An AI startup receiving its first demanding customer contract may not know whether its existing policies need a small amendment or a replacement. StartupInsurance.ai offers policy and contract review through a brand associated with ContractorNerd. Resilience is relevant when the resulting requirement points toward specialist cyber or technology E&O. Reviewing a contract and underwriting the policy are separate steps, so these businesses need not be mutually exclusive choices. [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [15](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ## Documented Provider Strengths ### Resilience - Technology E&O for software, hardware and technology services [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) - Financial risk prioritization and multi-entity cyber visibility [8](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [9](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.) ### StartupInsurance.ai - Free policy and contract review, with a company-stated 48-hour assessment. [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) - Advertises physical-risk placements alongside startup liability coverage. [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Resilience | StartupInsurance.ai | | --- | --- | --- | | Builders risk | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Commercial auto | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Commercial property | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Crime | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Cyber liability | Listed [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Directors and officers | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Employment practices liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Fiduciary liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | General liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Generative AI liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Product liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Professional liability / E&O | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Surety bonds | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Technology errors and omissions | Listed [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Tools, equipment and inland marine | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Umbrella and excess liability | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | | Workers’ compensation | Not listed | Listed [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Resilience and StartupInsurance.ai ### Establish Who Performs the Review and Who Places Coverage ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [14](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [15](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) StartupInsurance.ai's review offer is a starting point for identifying AI exclusions and coverage gaps. Its advertised turnaround has not been tested, and a written gap analysis does not itself amend a policy. Ask which licensed producer takes responsibility for the recommendation and which entity appears on the placement documents. [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [14](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") Resilience's US producer disclosure identifies Ocrea Risk Services, doing business as Resilience Cyber Insurance Solutions. A broker-led Resilience submission addresses a different part of the process: whether the proposed specialist policy can be offered on acceptable terms. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://cyberresilience.com/brokers "Brokers") ### An AI Label Does Not Resolve the Covered Failure StartupInsurance.ai's catalogue spans management, employment, physical and technology exposures, and advertises AI-failure coverage without establishing its insurer, policy form or California route. Do not read that label as automatic protection under an ordinary cyber policy. [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") Resilience's technology offering expressly targets technology businesses including AI, with a published US revenue appetite. Ask whether the customer requirement concerns a security breach, incorrect professional output, a contractual guarantee or physical damage. Those scenarios are more useful than matching two AI marketing descriptions. [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ### Free Analysis Does Not Set the Total Placement Cost ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. [16](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Disclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.; verified: 2026-09-16.) The free review offer should therefore be evaluated separately from the cost of policies ultimately purchased. Resilience does not publish a standard compensation schedule in the sources reviewed, and says insurance purchases are not tied to purchasing security services. Request comparable proposals showing insurance and optional service charges as separate decisions. [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") The reviewed broker, contact, legal and product pages do not disclose a standard customer fee schedule or insurance commission rates. Request an itemized premium, taxes, placement fees and any separate security-service charges. [5](https://cyberresilience.com/brokers "Brokers") [7](https://cyberresilience.com/contact-us "Contact Us") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") [10](https://cyberresilience.com/terms-and-conditions/ "Terms and Conditions") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Public-source review, not a finding that charges or commissions are absent.; verified: 2026-09-16.) ## What to Confirm in Quotes Provide the actual customer contract and ask for a written distinction between recommendations and endorsements included in the quote. Confirm the ContractorNerd producer of record, any AI-failure insurer and trigger, Resilience's revenue eligibility, and the California route for each proposed policy. Finally, ask who handles an urgent claim: the StartupInsurance.ai record does not establish a dedicated claims process, while Resilience describes an in-house response service. [15](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [14](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [6](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") ## Service Comparison Resilience vs StartupInsurance.ai: documented services and availability. | Criteria | Resilience | StartupInsurance.ai | | --- | --- | --- | | Business role | Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. [1](https://cyberresilience.com/ "Home Page") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Brand-level offering; not a statement that the brand is the risk-bearing insurer.; verified: 2026-09-16.)

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US distribution entity; regulator license lookup not completed.; verified: 2026-09-16.) | StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd describes its role as an insurance agent or broker, not an insurer; it does not underwrite the policies. [12](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [15](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [14](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [15](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | Coverage lines | Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Marketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.; verified: 2026-09-16.)

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) | The startup catalogue lists general liability, technology E&O, professional liability, cyber, D&O, employment practices, fiduciary, crime, workers’ compensation, and umbrella/excess. [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

Its physical-risk catalogue lists product liability, inland marine, tools/equipment, commercial auto, builders risk, surety and property. These are advertised placement categories, not guaranteed eligibility. [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

StartupInsurance.ai also advertises access to AI-failure coverage. The reviewed page does not identify its issuer, form or California eligibility; this does not establish that an ordinary cyber or E&O policy includes it. [11](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | Application process | Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. [5](https://cyberresilience.com/brokers "Brokers") [7](https://cyberresilience.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Observed public broker/contact route; no application submitted or portal accessed.; verified: 2026-09-16.) | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. [13](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) | | Fees and compensation | The reviewed broker, contact, legal and product pages do not disclose a standard customer fee schedule or insurance commission rates. Request an itemized premium, taxes, placement fees and any separate security-service charges. [5](https://cyberresilience.com/brokers "Brokers") [7](https://cyberresilience.com/contact-us "Contact Us") [2](https://cyberresilience.com/disclaimer/ "Disclaimer") [10](https://cyberresilience.com/terms-and-conditions/ "Terms and Conditions") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Public-source review, not a finding that charges or commissions are absent.; verified: 2026-09-16.) | ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. [16](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Disclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.; verified: 2026-09-16.) | ## Related Reading - [What Is Resilience Insurance?](https://spot.insure/insurance-providers/resilience) - [What Is StartupInsurance.ai?](https://spot.insure/insurance-providers/startupinsurance) ## Related Comparisons - [Alliance Risk vs Resilience](https://spot.insure/compare/alliance-risk-vs-resilience) - [Alliance Risk vs StartupInsurance.ai](https://spot.insure/compare/alliance-risk-vs-startupinsurance) - [Amelia Risk vs Resilience](https://spot.insure/compare/amelia-risk-vs-resilience) - [Amelia Risk vs StartupInsurance.ai](https://spot.insure/compare/amelia-risk-vs-startupinsurance) - [Armilla vs Resilience](https://spot.insure/compare/armilla-vs-resilience) - [Armilla vs StartupInsurance.ai](https://spot.insure/compare/armilla-vs-startupinsurance) - [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience) - [At-Bay vs StartupInsurance.ai](https://spot.insure/compare/at-bay-vs-startupinsurance) - 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[StartupInsurance.ai vs Travelers Insurance](https://spot.insure/compare/startupinsurance-vs-travelers) - [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi) - [StartupInsurance.ai vs Vouch](https://spot.insure/compare/startupinsurance-vs-vouch) - [StartupInsurance.ai vs WithCoverage](https://spot.insure/compare/startupinsurance-vs-withcoverage) ## Sources ### [Resilience Official Website](https://cyberresilience.com/) 1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 2. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16. 3. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16. 4. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16. 5. [Brokers](https://cyberresilience.com/brokers). Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16. 6. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16. 7. [Contact Us](https://cyberresilience.com/contact-us). Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16. 8. [Security Investment Prioritization](https://cyberresilience.com/products/security-investment-prioritization). Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16. 9. [Multi-Entity & Portfolio Risk](https://cyberresilience.com/products/multi-entity-and-portfolio-risk). Resilience; Resilience Arc introduction. Accessed 2026-09-16. 10. [Terms and Conditions](https://cyberresilience.com/terms-and-conditions/). Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16. ### [StartupInsurance.ai Official Website](https://www.startupinsurance.ai/) 11. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Current live HTML: hero; What we place; The paperwork runs itself; carrier panel; Straight talk. Fresh direct fetch supersedes older browser-cached homepage.. Accessed 2026-09-16. 12. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 13. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Initial coverage selection and seven-step navigation; no submission made. Accessed 2026-09-16. 14. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16. 15. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16. 16. [Compensation Disclosure](https://www.contractornerd.com/compensation-disclosure/). ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/resilience-vs-startupinsurance.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)