RiskCube vs 
Risklytics Tech E&O Insurance
Both broker Tech E&O; RiskCube stresses 24-hour market scans and AI excess, Risklytics a $1–$5M typical ask and AI-exclusion review.
What Is RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 1,2,3
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. 5,6,7
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. 10,11,12
Key Differences in Tech E&O Insurance
Two Brokerages, Different Stated Niches
RiskCube describes itself as an independent brokerage that compares Tech E&O across carriers and targets AI/ML, fintech, govtech, defense, space and Web3 companies. Risklytics Insurance Services (NPN 22311838) places Professional Liability (Tech E&O) with specialist insurers for robotics, autonomy and AI risk, and says enterprise customers usually require the line before a first contract. Neither names the issuing carrier on the reviewed pages. 4 3 5 8
How Each Talks About AI on the Form
RiskCube says it can layer excess for AI-related gaps such as algorithmic-bias or hallucination claims and checks waiver-of-subrogation language in enterprise MSAs. Risklytics calls Tech E&O the hardest line to get right because some insurers exclude AI-related losses, and says it reads every policy form for those exclusions before it binds. Both are screening the same subject; one describes excess layering, the other pre-bind form reading. 4 8
Limits, Speed and Fees
Risklytics lists a typical ask of $1 million to $5 million per claim. RiskCube says needed limits depend on contracts and that early-stage startups often start lower, without publishing amounts. RiskCube asks for product, customer, revenue and SLA or indemnity details and says quotes typically return in about 24 hours. Risklytics starts online, says there is no broker fee on top of premium, and that its commission is paid by the carrier. RiskCube’s Tech E&O page does not describe claims handling. 8 9 4
What to Confirm in Tech E&O Insurance Quotes
- Identify the carrier on both placements; neither brokerage publishes it in advance. 3 8
- Ask Risklytics which AI exclusions it found; ask RiskCube whether it proposes excess for bias or hallucination claims. 8 4
- Match limits to customer contracts against Risklytics’ $1–$5 million typical ask. 8
- Confirm waiver-of-subrogation if your MSA requires it; RiskCube says it checks that language. 4
Offering Details
RiskCube vs Risklytics Tech E&O Insurance: documented features by provider
| Criteria | RiskCube Technology Errors and Omissions (E&O) Insurance | Risklytics Professional Liability (Tech E&O) Insurance |
|---|---|---|
| Role in This Line | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 4Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes. | 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. 5Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. 3,4Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23. | 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. 8,5Company-reported. Lines page and about page; no specific insurer is published for this line. |
| Who It’s For | RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. 4Company-reported. Tech E&O product page "Who needs this coverage" section. | 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. 8Company-reported. Lines page. |
| Coverage Features | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. 4Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. 4Company-reported. Tech E&O product page "Common Exclusions" section. | 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. 8Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. 4Not publicly disclosed. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ. | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. 8Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. 4Company-reported. Tech E&O product page "AI & enterprise risk" FAQ. | 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. 8Company-reported. Lines page. |
| How to Apply | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. 4Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs. | 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. 9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| Claims Support | The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. 4Not found in reviewed sources. Tech E&O product page as read on 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More RiskCube vs Risklytics Comparisons
Other Tech E&O Insurance Comparisons
Sources
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Professional Liability (Tech E&O) Insurance. 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.
- How pricing and broker fees work. 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
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
