Risklytics vs 
StartupInsurance.ai: How Do They Compare for Tech E&O Insurance?
Both are intermediaries. Risklytics reads each policy form for AI exclusions and lists a typical ask of $1 million to $5 million per claim; StartupInsurance.ai checks a startup's customer contracts against E&O wording before binding.
Risklytics is a broker for AI, robotics and autonomy companies that reads each Tech E&O form for hidden AI exclusions before you bind and adds no broker fee; StartupInsurance.ai is a startup broker whose free policy check compares your customers' accuracy and uptime promises against the policy. 2,1,4
What Are the Key Differences Between Risklytics and StartupInsurance.ai Tech E&O Insurance?
Checking the Insurer's AI Exclusions vs Checking Your Customer Contracts
Both are brokers and neither names the insurer. Risklytics places Tech E&O with specialist insurers for AI, robotics and autonomy companies and reads every form for quiet AI exclusions before you bind. StartupInsurance.ai (arranged by ContractorNerd Insurance Services, LLC) reads your customer contracts against the E&O wording, flagging accuracy warranties and uptime promises the policy may not cover. Choose Risklytics if your product's model outputs are the main risk and you worry an AI exclusion could void your cover; choose StartupInsurance.ai if your contracts contain SLAs or accuracy guarantees. 2 1 6 4
$1–$5 Million Benchmark vs No Published Range
Risklytics says customers who rely on a model's output typically ask for $1 million to $5 million per claim. StartupInsurance.ai's quote form describes Tech E&O as claims from tech products or services failing and publishes no limit range. 1 5
No Broker Fee vs a Warning on Blanket AI Exclusions
Risklytics says it adds no broker fee on top of premium and keeps a licensed producer on your file until binding. StartupInsurance.ai warns that one major insurer added a blanket AI exclusion to D&O, E&O and fiduciary forms at renewal, without saying whether that includes tech E&O. 3 4
What Should You Confirm in Risklytics and StartupInsurance.ai Tech E&O Insurance Quotes?
- Ask both which insurer issues the policy. 1 4
- Ask Risklytics to show any AI exclusions it found, and ask StartupInsurance.ai whether a blanket AI exclusion applies to your Tech E&O. 1 4
- Run StartupInsurance.ai's contract check on your accuracy and uptime clauses. 4
- Match your limit to what customers require, using Risklytics' $1–$5 million benchmark. 1
Risklytics vs StartupInsurance.ai Tech E&O Insurance Compared
Risklytics vs StartupInsurance.ai: Tech E&O Insurance: documented features by provider
| Criteria | Risklytics Professional Liability (Tech E&O) Insurance | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) Insurance |
|---|---|---|
| How to Apply | 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. 3,2Company-reported. Pricing page describes the general application and fee process, not a line-specific form. | "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. 5Company-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. |
| Coverage Features | 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. 1Company-reported. Lines page; the issued policy and declarations control actual coverage. | 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. 4Company-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. 4Company-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. |
| Role in This Line | 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. 2Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. | 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. 4,6Company-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. |
| Risk Services | 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. 1Company-reported. Lines page. | 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. 4Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy. |
