RiskCube vs Risklytics: How Do They Compare for Tech E&O Insurance?

Both place coverage with outside carriers. RiskCube compares carriers for AI, fintech, defense and Web3 firms among others and typically quotes within about 24 hours; Risklytics reads each policy form for AI exclusions and takes an online application with no broker fee.

Both target AI companies. RiskCube compares insurers for AI, fintech, govtech, defense, space and Web3 startups, typically quotes in about 24 hours, and can add excess for bias or hallucination claims; Risklytics serves robotics, autonomy and AI firms, reads every form for AI exclusions and cites a typical $1 million to $5 million limit. ^1,³

What Are the Key Differences Between RiskCube and Risklytics Tech E&O Insurance?

Broad Frontier-Tech Niches vs Robotics, Autonomy and AI

Both place Tech E&O rather than underwrite it. RiskCube compares insurers for AI/ML, fintech, govtech, defense, space and Web3 companies. Risklytics places with specialist insurers for robotics, autonomy and AI risk, and says enterprise customers usually require the cover before your first contract. Choose RiskCube if you're in fintech, defense, space or Web3; choose Risklytics if you build robotics or autonomous systems. ¹ ⁴ ³

Excess for AI Gaps vs Pre-Bind AI-Exclusion Review

RiskCube says it can add excess for AI-related gaps such as algorithmic-bias or hallucination claims, and checks waiver-of-subrogation language in enterprise contracts. Risklytics says some insurers quietly exclude AI losses and reads every form for those exclusions before binding. RiskCube adds cover on top; Risklytics tries to avoid the gap in the first place. ¹ ³

24-Hour Quotes vs Published Limit Range and No Broker Fee

RiskCube asks for product, customer, revenue and SLA or indemnity details and typically quotes in about 24 hours; it says limits depend on your contracts and early-stage startups often start lower. Risklytics cites a typical ask of $1 million to $5 million per claim, starts online, and adds no broker fee on top of premium. RiskCube's page doesn't describe claims handling. ¹ ³ ⁵

What Should You Confirm in RiskCube and Risklytics Tech E&O Insurance Quotes?

Ask both for the issuing insurer; neither publishes it in advance. ² ³
Ask Risklytics which AI exclusions it found, and ask RiskCube whether it proposes excess for bias or hallucination claims. ³ ¹
Match your limit to your customer contracts, using Risklytics' $1 million to $5 million typical ask as a reference. ³
If your contract requires a waiver of subrogation, ask RiskCube to confirm it's on the form. ¹

RiskCube vs Risklytics Tech E&O Insurance Compared

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
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. ¹Company-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. ³Company-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. ¹Company-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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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. ¹Company-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. ¹Company-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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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. ¹Company-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. ⁴Company-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. ^2,¹Company-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. ^3,⁴Company-reported. Lines page and about page; no specific insurer is published for this line.
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. ¹Company-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. ³Company-reported. Lines page.