---
title: "Risklytics vs StartupInsurance.ai: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/risklytics-vs-startupinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "risklytics-vs-startupinsurance"
provider-a: "risklytics"
provider-b: "startupinsurance"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/risklytics-vs-startupinsurance/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Risklytics and StartupInsurance.ai 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 Risklytics versus StartupInsurance.ai. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Risklytics vs StartupInsurance.ai for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Risklytics or StartupInsurance.ai?
- What does Risklytics or StartupInsurance.ai publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Risklytics and StartupInsurance.ai.
- 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:**
- [Risklytics vs StartupInsurance.ai](https://spot.insure/compare/risklytics-vs-startupinsurance) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile

# 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 an AI-focused broker that reads every insurer form for hidden AI exclusions and charges no broker fee, while StartupInsurance.ai checks your customer contracts for accuracy and uptime promises the policy may not cover.

## Risklytics vs StartupInsurance.ai Tech E&O Insurance Summary

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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### $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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Should You Confirm in Risklytics and StartupInsurance.ai Tech E&O Insurance Quotes?

- Ask both which insurer issues the policy. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Run StartupInsurance.ai's contract check on your accuracy and uptime clauses. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Match your limit to what customers require, using Risklytics' $1–$5 million benchmark. [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

## Risklytics vs StartupInsurance.ai Tech E&O Insurance Compared

| 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](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. [5](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..) |
| 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. [1](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. [4](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. [4](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..) |
| 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. [2](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. [4](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](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..) |
| 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. [1](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. [4](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..) |

## About Risklytics and StartupInsurance.ai and Tech E&O Insurance

- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Risklytics vs StartupInsurance.ai Tech E&O Insurance

- [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 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.
- [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions)
- [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions)

## Sources for Risklytics vs StartupInsurance.ai Tech E&O Insurance

### Sources About Risklytics

1. [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.
2. [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.
3. [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.

### Sources About StartupInsurance.ai

4. [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.
5. [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.
6. [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.

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/risklytics-vs-startupinsurance/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)