---
title: "Risklytics vs TechInsurance Insurance"
description: "Compare a frontier-tech brokerage submission with a small-business quote-comparison route as an IT consultancy develops an AI product."
canonical: "https://spot.insure/compare/risklytics-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Risklytics", "TechInsurance"]
---

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

# Risklytics vs TechInsurance Insurance

Compare a frontier-tech brokerage submission with a small-business quote-comparison route as an IT consultancy develops an AI product.

## Research Scope and Use

Use this comparison to evaluate Risklytics and TechInsurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Risklytics describes brokerage for robotics and AI. TechInsurance is a technology-focused small-business agency within Insureon and HUB International, operated as a division of Specialty Program Group; actual insurer and product access depend on the quote. [2](https://www.risklytics.ai/about/ "About Risklytics") [13](https://www.techinsurance.com/about-us "About TechInsurance") [20](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")



## Introduction

An IT consultancy moving into an AI product business may want to reuse a familiar small-business insurance process. TechInsurance markets technology-focused quote comparison through one application; Risklytics emphasizes explaining frontier-tech operations to insurers. The question is whether the submission and resulting policy have changed with the business, rather than whether both routes use a technology E&O label. [13](https://www.techinsurance.com/about-us "About TechInsurance") [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [2](https://www.risklytics.ai/about/ "About Risklytics") [1](https://www.risklytics.ai/ "Insurance for Frontier Tech")

## Documented Provider Strengths

### Risklytics

- Risklytics says it prepares the application from your business description and website for your review. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it reviews technology E&O wording for AI exclusions before binding. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

### TechInsurance

- One application to compare multiple insurance quotes [13](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- Technology E&O and cyber coverage marketed together [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Risklytics | TechInsurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Commercial auto | Not listed | Listed [12](https://www.techinsurance.com/ "Technology Business Insurance") |
| Commercial property | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Cyber liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Directors and officers | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Employment practices liability | Not listed | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Fidelity bonds | Not listed | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| General liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Intellectual property | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Not listed |
| Professional liability / E&O | Not listed | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Surety bonds | Not listed | Listed [14](https://www.techinsurance.com/contact-us "Contact Us") |
| Technology errors and omissions | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| Tools, equipment and inland marine | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [19](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| Umbrella and excess liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Workers’ compensation | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [17](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Risklytics and TechInsurance

### Follow the Agency Relationship Through the Brand

TechInsurance describes itself as part of Insureon and HUB International, with its legal disclosure identifying a division of Specialty Program Group. Its history distinguishes HUB's acquisition of the digital agency from Bold Penguin's acquisition of the technology platform. These ties do not make either parent or platform the insurer. Risklytics likewise acts as producer, with the actual insurer determined by the placement. [13](https://www.techinsurance.com/about-us "About TechInsurance") [20](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [23](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") [3](https://www.risklytics.ai/terms/ "Terms of Service")

### Use the Same New-Product Brief with Both Routes

TechInsurance presents technology E&O as a bundle of E&O and cyber. Risklytics says it reads technology E&O forms for AI exclusions. Ask whether the proposed services definition includes the new product, and which cyber components accompany the liability cover. A bundle description is not evidence of identical wording across insurers, and an exclusion review is not an independent guarantee of AI coverage. [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")

TechInsurance documents a California sales route for several small-business products, but the record does not establish approval of the new AI activity. Risklytics' California producer route remains unconfirmed. This gives the buyer different levels of public route information, not a conclusion that either will accept the risk. [16](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") [2](https://www.risklytics.ai/about/ "About Risklytics")

### Ask How Markets Are Chosen and Paid

SPG's linked compensation disclosure permits commissions and client fees and describes enhanced compensation from strategic insurers that may incentivize product prioritization. Risklytics advertises no additional brokerage fee and disclosure of its placement earnings on request. Neither proves the breadth or impartiality of an actual market search. Request the markets approached, available alternatives and compensation for the proposed placement. [21](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## What to Confirm in Quotes

- Identify the producer, issuer and accepted AI activities, using the actual California forms rather than a general technology category. [15](https://www.techinsurance.com/legal/licenses "Insurance Licensing") [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [2](https://www.risklytics.ai/about/ "About Risklytics")
- Ask what changes between the expiring consulting policy and the new proposal, including first-party cyber and customer liability provisions. [18](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")
- Define support as the company grows: the reviewed TechInsurance pages do not establish a complex-program renewal mandate, and Risklytics' service description leaves renewal remarketing unspecified. [14](https://www.techinsurance.com/contact-us "Contact Us") [13](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.risklytics.ai/faq/ "Questions founders ask") [7](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker")



## Service Comparison

Risklytics vs TechInsurance Insurance: documented services and availability.

| Criteria | Risklytics | TechInsurance |
| --- | --- | --- |
| Business role | Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. [2](https://www.risklytics.ai/about/ "About Risklytics") [3](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [14](https://www.techinsurance.com/contact-us "Contact Us") [20](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [21](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [13](https://www.techinsurance.com/about-us "About TechInsurance") [14](https://www.techinsurance.com/contact-us "Contact Us") [23](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) |
| Application process | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [6](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [13](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)<br><br>TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [14](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; verified: 2026-09-16.) |
| Access to insurers | The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. [3](https://www.risklytics.ai/terms/ "Terms of Service") [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [10](https://www.risklytics.ai/lines/space/ "Space insurance, explained") (Evidence: Not publicly disclosed; scope: Reviewed sources establish a described placement mechanism, not carrier appointments, completed placements or a specific insurer contract.; verified: 2026-09-16.) | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [19](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) |
| Fees and compensation | Risklytics advertises no application charge or additional brokerage fee, says carriers pay commission from premiums, and offers to disclose its earnings on request. Its terms separately allow carrier or wholesaler compensation and carrier-set taxes and policy fees. No buyer-specific premium or commission amount is published on the pricing page. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.; verified: 2026-09-16.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [20](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [21](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)<br><br>SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [21](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) |
| Availability | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [2](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [2](https://www.risklytics.ai/about/ "About Risklytics") [3](https://www.risklytics.ai/terms/ "Terms of Service") [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) | TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. [16](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") (Evidence: Company-reported; scope: California-specific sales page with product quote controls; no live placement or underwriting acceptance tested.; verified: 2026-09-16.)<br><br>TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. [15](https://www.techinsurance.com/legal/licenses "Insurance Licensing") (Evidence: Company-reported; scope: Company license disclosure only; do not label regulator verified.; verified: 2026-09-16.) |

## Related Reading

- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)
- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)

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## Sources

### [Risklytics Official Website](https://www.risklytics.ai/)

1. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
2. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
4. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
6. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
7. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
8. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
9. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
10. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
11. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

### [TechInsurance Official Website](https://www.techinsurance.com/)

12. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
13. [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.
14. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
15. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
16. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
17. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
18. [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; quotation form; Technology professionals we insure. Accessed 2026-09-16.
19. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
20. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
21. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
22. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
23. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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