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

Travelers underwrites E&O as a selectable agreement within CyberRisk Tech and tells buyers to consult an agent or representative; Risklytics, which does not underwrite, offers an online application and lists a typical ask of $1 million to $5 million per claim.

Risklytics places Tech E&O for AI, robotics and autonomy companies, reads every form for hidden AI exclusions, and sees typical requests of $1 million to $5 million per claim. Travelers sells tech E&O through agents inside CyberRisk Tech, where you choose E&O, cyber or both. ^2,^1,^4,⁵

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

An AI Specialist Broker vs One Insurer’s Modular Policy

Risklytics doesn’t underwrite; it places Professional Liability (Tech E&O) with insurers willing to write robotics, autonomy and AI risk. Travelers underwrites tech E&O as a selectable agreement inside CyberRisk Tech for technology and life-sciences companies, so you choose E&O, cyber or both from one insurer, through an agent or Travelers representative. Choose Risklytics if AI or autonomous systems are core to your product; choose Travelers if you want E&O and cyber from one established insurer. ² ¹ ⁴ ⁵

AI-Exclusion Screening vs a Standard Negligence Example

Risklytics frames Tech E&O as paying when a model or integration costs a customer money, such as a model mislabeling shipments, and says some insurers exclude AI losses, so it screens forms before binding. Travelers covers alleged errors, omissions or negligence, such as lost revenue from a software error, keeps breach response and cybercrime in separate agreements, and describes no AI-exclusion check. ¹ ⁴ ⁵

Online With No Broker Fee vs Agent-Led With No Published Limits

Risklytics takes applications online, adds no broker fee on top of premium, and keeps a producer on your file through binding; its customers typically ask for $1 million to $5 million per claim. Travelers publishes no E&O limit or price. ¹ ³ ⁵

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

Ask Travelers which CyberRisk Tech agreements are on your quote, and ask Risklytics which insurer is quoting. ⁵ ¹
Ask Risklytics to flag AI exclusions, and ask Travelers how claims over model output are treated. ¹ ⁴
Compare Travelers’ quoted limit with Risklytics’ typical $1–5 million. ¹
If you buy Travelers E&O without cyber, ask whether any Cyber Risk Services apply. ⁵

Risklytics vs Travelers Tech E&O Insurance Compared

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

Criteria	Risklytics Professional Liability (Tech E&O) Insurance	Travelers CyberRisk Tech Technology Errors and Omissions Coverage
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.	Travelers markets CyberRisk Tech technology E&O to technology and life-sciences companies, describing the audience as ranging from startups to established industry leaders whose software products or technology services could be the subject of a client claim. ^4,⁵Company-reported. Technology-page FAQ and the cyber-for-technology product page.
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. ^3,²Company-reported. Pricing page describes the general application and fee process, not a line-specific form.	Travelers tells technology buyers to consult their insurance agent or a Travelers representative about CyberRisk Tech coverage; the reviewed pages do not describe a self-service quote path for technology E&O. ⁵Company-reported. Cyber-for-technology page CTA.
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.	Travelers says the technology E&O insuring agreement helps cover the costs a company incurs from allegations of errors, omissions or negligent acts in performing its services, giving as an example a customer claiming lost revenue from an error in a software product or technology service. ⁴Company-reported. Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page. Travelers distinguishes technology E&O from the rest of CyberRisk Tech, which separately includes breach response, cybercrime and business-loss coverages; a buyer can select E&O coverage without also buying the cyber-specific insuring agreements. ⁵Company-reported. Cyber-for-technology product page; the exact combinations available depend on underwriting and state.
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.	Travelers underwrites technology E&O as one of the selectable insuring agreements inside its CyberRisk Tech policy, not as a separate standalone policy form; a buyer chooses E&O protection, cyber protection, or both within the same product. ^4,⁵Company-reported. Technology and CyberRisk Tech product pages, as read on 2026-09-23.
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. ¹Company-reported. Lines page.	Travelers says CyberRisk Tech policyholders with cyber coverage get access to Cyber Risk Services, including a 24/7 Cyber Risk Dashboard and threat monitoring, but the cyber-for-technology page states availability of these services depends on policy eligibility and lists them under cyber coverage rather than as a benefit tied specifically to the technology E&O agreement. ⁵Company-reported. Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit.