--- title: "RiskCube vs Risklytics: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/riskcube-vs-risklytics/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "riskcube-vs-risklytics" provider-a: "riskcube" provider-b: "risklytics" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/riskcube-vs-risklytics/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of RiskCube and Risklytics for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about RiskCube versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - RiskCube vs Risklytics for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, RiskCube or Risklytics? - What does RiskCube or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: RiskCube and Risklytics. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [RiskCube vs Risklytics](https://spot.insure/compare/riskcube-vs-risklytics) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile # 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. RiskCube quotes Tech E&O in about 24 hours for AI, fintech, defense and Web3 startups and can add excess for AI bias claims, while Risklytics screens every form for AI exclusions and cites a typical $1 million to $5 million limit. ## RiskCube vs Risklytics Tech E&O Insurance Summary 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ## 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") ## 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - Ask Risklytics which AI exclusions it found, and ask RiskCube whether it proposes excess for bias or hallucination claims. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") - Match your limit to your customer contracts, using Risklytics' $1 million to $5 million typical ask as a reference. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - If your contract requires a waiver of subrogation, ask RiskCube to confirm it's on the form. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") ## RiskCube vs Risklytics Tech E&O Insurance Compared | 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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..) | | 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [3](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..) | | 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [4](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 | 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](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..) | | 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. [1](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | ## About RiskCube and Risklytics and Tech E&O Insurance - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for RiskCube vs Risklytics Tech E&O Insurance - [RiskCube vs Risklytics](https://spot.insure/compare/riskcube-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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions) - [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions) ## Sources for RiskCube vs Risklytics Tech E&O Insurance ### Sources About RiskCube 1. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). 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. 2. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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. ### Sources About Risklytics 3. [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. 4. [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. 5. [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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/riskcube-vs-risklytics/technology-errors-omissions.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)