---
title: "Risklytics vs TechInsurance Tech E&O Insurance"
description: "Risklytics places Tech E&O after an AI-exclusion review; TechInsurance sells a bundled E&O-and-cyber pair."
canonical: "https://spot.insure/compare/risklytics-vs-techinsurance/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Risklytics vs TechInsurance Tech E&O Insurance

Risklytics places Tech E&O after an AI-exclusion review; TechInsurance sells a bundled E&O-and-cyber pair.

## Research Scope and Use

Use this comparison to evaluate Risklytics and TechInsurance 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 describes itself as a licensed producer that places Professional Liability (Tech E&O) and says it reads forms for AI exclusions, citing a typical $1–$5 million per-claim ask. TechInsurance sells tech E&O as two policies—errors and omissions plus cyber—and reports a median of about $67 per month. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [9](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [11](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

### Producer Placement Versus a Two-Policy Bundle

Risklytics places Tech E&O with outside carriers and does not underwrite. TechInsurance sells the line as a bundle of errors and omissions plus cyber liability built for IT companies. Neither reviewed source names the issuing insurer. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

### What Each Says the E&O Grant Pays

Risklytics describes Tech E&O as responding when a product or service costs a customer money, such as a perception model mislabeling shipments, and distinguishes that from cyber liability for hacks and leaks. TechInsurance says the E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits first-party and third-party breaches. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

### Intellectual Property Defaults

TechInsurance says intellectual property or copyright disputes are not automatic on the standard bundle and usually must be added. Risklytics’ reviewed sources do not describe IP as an add-on or an exclusion. Confirm IP on both quotes rather than assuming either default. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")

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

- Ask Risklytics which carrier it binds and whether it found AI exclusions; ask TechInsurance who issues each half of the bundle. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")
- If you need first-party cyber, confirm it is on TechInsurance’s cyber policy, not assumed inside Risklytics’ Tech E&O description. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Compare the quoted limit with Risklytics’ $1–$5 million typical customer ask. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Treat TechInsurance’s $67 monthly median as book statistics, not a Risklytics price. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance")

## Offering Details

| Criteria | Risklytics Professional Liability (Tech E&O) Insurance | TechInsurance Technology Errors and 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..) | 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. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page..) |
| 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 reviewed page does not name the issuing insurer for a tech E&O policy. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page as read on 2026-09-23..) |
| 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..) | 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. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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). [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page; general policy description, not a specific policy form..)<br><br>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. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section..) |
| 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..) | 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. [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") (Evidence: Company-reported; scope: Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Risklytics vs TechInsurance](https://spot.insure/compare/risklytics-vs-techinsurance): 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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/commercial-property)
- [Risklytics vs TechInsurance Cyber Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/cyber)
- [Risklytics vs TechInsurance D&O Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/directors-officers)
- [Risklytics vs TechInsurance General Liability Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/general-liability)
- [Risklytics vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/inland-marine)
- [Risklytics vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/umbrella-excess)
- [Risklytics vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/risklytics-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions)
- [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/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 TechInsurance Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/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.

### TechInsurance

6. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
7. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
8. [Technology Errors and Omissions - Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23.

### Tech E&O Insurance Guide

9. [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.
10. [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.
11. [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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- [Markdown page](https://spot.insure/compare/risklytics-vs-techinsurance/technology-errors-omissions.md)
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