Risklytics vs TechInsurance: How Do They Compare for Tech E&O Insurance?

TechInsurance bundles E&O with cyber for IT businesses at a published median near $67 a month; Risklytics places tech E&O for AI and robotics risk and lists a typical ask of $1 million to $5 million per claim.

AI developers should look at Risklytics, which reads every form for hidden AI exclusions and cites a typical request of $1 million to $5 million per claim. IT firms that want E&O and cyber together should look at TechInsurance, whose two-policy bundle has a published median of about $67 a month. ^1,⁴

What Are the Key Differences Between Risklytics and TechInsurance Tech E&O Insurance?

AI Exclusion Review vs an E&O-and-Cyber Bundle

Risklytics places tech E&O with outside insurers and reads each form for AI exclusions before binding, illustrating the risk with a perception model that mislabels shipments and costs a customer money. It cites $1 million to $5 million per claim as a typical request. TechInsurance sells two policies built for IT companies, E&O plus cyber liability covering both your own and your clients’ systems, with a published median of about $67 a month. Choose Risklytics if your product makes AI or model-driven decisions; choose TechInsurance if you are a small IT firm that wants cyber included at a low starting price. ² ¹ ⁴

Missed Deadlines and Budget Overruns vs Separate Cyber

TechInsurance’s E&O covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, but IP or copyright disputes usually need an add-on. Risklytics keeps tech E&O separate from cyber for hacks and leaks, so you may need a second policy, and doesn’t say how it treats IP. ⁴ ¹

What Should You Confirm in Risklytics and TechInsurance Tech E&O Insurance Quotes?

Ask Risklytics which insurer it binds and whether it found AI exclusions; ask TechInsurance who issues each of its two policies. ¹ ⁴
If you need cover for a breach of your own systems, get it on a cyber policy; don’t assume Risklytics’ tech E&O includes it. ⁴ ¹
Ask both about IP and copyright cover. ⁴ ¹
Treat the $67 median as a benchmark, not your price. ⁴

Risklytics vs TechInsurance Tech E&O Insurance Compared

Risklytics vs TechInsurance: Tech E&O Insurance: documented features by provider

Criteria	Risklytics Professional Liability (Tech E&O) Insurance	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance
Limits and Retentions	Risklytics lists a typical ask of $1 million to $5 million per claim for this line. ¹Company-reported. Lines page; actual limits are set on the bound policy.	TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁴Company-reported. Tech E&O 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 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. ¹Company-reported. Lines page.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ⁴Company-reported. Tech E&O product page, Technology professionals we insure section.
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.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁴Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁴Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁴Company-reported. Tech E&O product page.