---
title: "Risklytics vs StartupInsurance.ai Tech E&O Insurance"
description: "Risklytics screens Tech E&O forms for AI exclusions; StartupInsurance.ai checks customer contracts for accuracy and uptime warranties."
canonical: "https://spot.insure/compare/risklytics-vs-startupinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Risklytics vs StartupInsurance.ai Tech E&O Insurance

Risklytics screens Tech E&O forms for AI exclusions; StartupInsurance.ai checks customer contracts for accuracy and uptime warranties.

## Research Scope and Use

Use this comparison to evaluate Risklytics and StartupInsurance.ai for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Risklytics places Professional Liability (Tech E&O) with unnamed specialist carriers and says it reads every form for AI exclusions before binding. StartupInsurance.ai places Tech E&O as broker of record and offers a free review of customer contracts against accuracy warranties and uptime promises. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.risklytics.ai/ "Insurance for Frontier Tech") [3](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Two Producers, Two Pre-Bind Reviews

Risklytics Insurance Services says its producer disclosure lists NPN 22311838 and places Tech E&O and says it does not underwrite. StartupInsurance.ai’s Tech E&O is arranged by ContractorNerd Insurance Services, LLC as agent/broker of record. Both leave the issuing carrier unnamed on the reviewed pages. The practical split is what each reviews before bind: Risklytics reads insurer forms for quiet AI exclusions; StartupInsurance.ai reads customer contracts against E&O wording. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Typical Limit Ask Versus an Unstated Range

Risklytics lists a typical procurement ask of $1 million to $5 million per claim once a customer relies on a model’s output. StartupInsurance.ai’s quote screen describes Tech Errors & Omissions as claims from tech products or services failing and does not publish a limit range. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Fees and AI Language on the Homepage

Risklytics says there is no broker fee on top of premium and that a producer Risklytics describes as licensed stays on the file until bind. StartupInsurance.ai warns that one major carrier added a blanket AI exclusion to “D&O, E&O and fiduciary” at renewal, without saying whether that E&O reference is technology E&O, professional E&O, or both. Risklytics’ AI work is framed as form-by-form exclusion hunting rather than a named carrier anecdote. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What to Confirm in Tech E&O Insurance Quotes

- Get the specialist carrier Risklytics binds and the panel carrier StartupInsurance.ai uses. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask Risklytics to show AI exclusions it found; ask StartupInsurance.ai whether a blanket AI exclusion applies to this line. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Run StartupInsurance.ai’s contract check on accuracy and uptime clauses. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Match limits to customer requirements against Risklytics’ $1–$5 million typical ask. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## Offering Details

| Criteria | Risklytics Professional Liability (Tech E&O) Insurance | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) Insurance |
| --- | --- | --- |
| 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. [1](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..) | 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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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..) |
| Issuing Insurer | 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [1](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..) | The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel; the panel is program-wide, not broken out by coverage line..) |
| Who It’s For | 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | Not described in the reviewed sources. |
| 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. [4](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..) | 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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..)<br><br>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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | Not described in the reviewed sources. |
| 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy..) |
| 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. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](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..) | "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. [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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..) |

## Full Comparison

- [Risklytics vs StartupInsurance.ai](https://spot.insure/compare/risklytics-vs-startupinsurance): 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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Risklytics vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/risklytics-vs-startupinsurance/commercial-property)
- [Risklytics vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/risklytics-vs-startupinsurance/directors-officers)
- [Risklytics vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/risklytics-vs-startupinsurance/general-liability)
- [Risklytics vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-startupinsurance/inland-marine)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions)
- [Alliance Risk vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/technology-errors-omissions)
- [Amelia Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions)
- [Amelia Risk vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/technology-errors-omissions)
- [At-Bay vs Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions)
- [At-Bay vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-startupinsurance/technology-errors-omissions)

## Sources

### Risklytics

1. [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.
2. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
4. [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.
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.

### StartupInsurance.ai

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23.
8. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
9. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. Accessed 2026-09-23.

### Tech E&O Insurance Guide

10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
11. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
12. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-24. 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.

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