Risklytics vs 
TechInsurance: How Do They Compare for Cyber Insurance?
TechInsurance reports a median of $129 a month and lists exclusions; Risklytics places cyber for robotics and AI firms and says there is no broker fee on top of premium.
TechInsurance reports a $129 monthly median cyber premium and says a certificate is typically available the same day you buy. Risklytics cites a typical $1 million contract ask, says there is no broker fee on top of premium, and uses its own online application. 4,1
What Are the Key Differences Between Risklytics and TechInsurance Cyber Insurance?
A Book Median Versus a Typical Contract Limit
TechInsurance tells buyers what its cyber book pays.
TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 4Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Risklytics instead cites a typical enterprise-contract ask of $1 million or more and does not publish a monthly median. Choose TechInsurance if a published premium and same-day certificate matter; choose Risklytics if you need a $1 million-class limit for a contract and want no extra broker fee. 1 3
Exclusions Versus a Model-Output Carve-Out
TechInsurance says cyber does not cover professional negligence unrelated to a breach or data loss from physical hardware damage. Risklytics says the line does not respond to a model giving bad output with no breach. 4 1
Who Each Invites
TechInsurance names IT professionals, retail, healthcare, financial services, real estate, and media and advertising. Risklytics says companies typically need the coverage the first time they hold customer data in production or when an enterprise or government contract requires it. 4 1
What Should You Confirm in Risklytics and TechInsurance Cyber Insurance Quotes?
Risklytics vs TechInsurance Cyber Insurance Compared
Risklytics vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Risklytics Cyber Liability Insurance | TechInsurance Cyber Liability Insurance |
|---|---|---|
| Limits and Retentions | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. 1Company-reported. Lines page; actual limits are set on the bound policy. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 4Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Who It’s For | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. 1Company-reported. Lines page. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 4Company-reported. Who needs cyber liability insurance section of the product page. |
| How to Apply | You start Risklytics Cyber Liability 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. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 4Company-reported. Cyber liability product page application and certificate sections. |
| Coverage Features | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. 1Company-reported. Lines page; the issued policy and declarations control actual coverage. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 4Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 4Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability 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. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 4Company-reported. Cyber liability product page. |
