---
title: "Risklytics vs TechInsurance: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/risklytics-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "risklytics-vs-techinsurance"
provider-a: "risklytics"
provider-b: "techinsurance"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/risklytics-vs-techinsurance/cyber)

## Agent Guide

**What this page is:** Focused comparison of Risklytics and TechInsurance for Cyber 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 Cyber Insurance questions about Risklytics versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Risklytics vs TechInsurance for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Risklytics or TechInsurance?
- What does Risklytics or TechInsurance publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Risklytics and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/risklytics-vs-techinsurance) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 publishes a $129 monthly median premium and a same-day certificate, while Risklytics places cyber online with no extra broker fee and a typical $1 million contract ask.

## Risklytics vs TechInsurance Cyber Insurance Summary

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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [3](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

### 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## What Should You Confirm in Risklytics and TechInsurance Cyber Insurance Quotes?

- Ask TechInsurance which carrier is returning the quote. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Risklytics which specialist insurer would write the policy. [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Get actual limits; both published figures are book or typical numbers. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Risklytics vs TechInsurance Cyber Insurance Compared

| 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. [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](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..) | 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [1](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |

## About Risklytics and TechInsurance and Cyber Insurance

- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Risklytics vs TechInsurance Cyber Insurance

- [Risklytics vs TechInsurance](https://spot.insure/compare/risklytics-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)
- [TechInsurance Cyber Insurance](https://spot.insure/insurance-providers/techinsurance/cyber)

## Sources for Risklytics vs TechInsurance Cyber Insurance

### Sources About Risklytics

1. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; 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 TechInsurance

4. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
5. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. 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-techinsurance/cyber.md)
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