--- title: "Risklytics vs TechInsurance: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/risklytics-vs-techinsurance/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "risklytics-vs-techinsurance" provider-a: "risklytics" provider-b: "techinsurance" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-techinsurance/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Risklytics and TechInsurance 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 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 Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Risklytics or TechInsurance? - What does Risklytics or TechInsurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O 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 - [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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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. Risklytics brokers tech E&O for AI companies after checking every form for hidden AI exclusions, while TechInsurance bundles E&O and cyber policies for IT firms at a median of about $67 a month. ## Risklytics vs TechInsurance Tech E&O Insurance Summary 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## 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](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.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ### 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ## 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](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") - 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](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - Ask both about IP and copyright cover. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") [1](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - Treat the $67 median as a benchmark, not your price. [4](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions - Tech E&O Insurance") ## Risklytics vs TechInsurance Tech E&O Insurance Compared | 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. [1](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. [4](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..) | | 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. [1](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. [4](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. [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..) | 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). [4](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..)

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. [4](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..) | | 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..) | 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. [4](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..) | ## About Risklytics and TechInsurance and Tech E&O 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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Risklytics vs TechInsurance Tech E&O Insurance - [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 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) - [TechInsurance Tech E&O Insurance](https://spot.insure/insurance-providers/techinsurance/technology-errors-omissions) ## Sources for Risklytics vs TechInsurance 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 TechInsurance 4. [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. 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/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)