---
title: "Risklytics vs Travelers Tech E&O Insurance"
description: "Risklytics places Tech E&O after an AI-exclusion review; Travelers writes E&O as a selectable CyberRisk Tech agreement."
canonical: "https://spot.insure/compare/risklytics-vs-travelers/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Risklytics vs Travelers Tech E&O Insurance

Risklytics places Tech E&O after an AI-exclusion review; Travelers writes E&O as a selectable CyberRisk Tech agreement.

## Research Scope and Use

Use this comparison to evaluate Risklytics and Travelers 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 Tech E&O with specialist carriers and says it reads every form for AI exclusions. Travelers underwrites technology E&O as an optional insuring agreement inside CyberRisk Tech, sold through agents, with or without cyber protection. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")

## 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 Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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. [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](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

### Specialist Placement Versus a Travelers Agreement

Risklytics places Professional Liability (Tech E&O) with insurers willing to write robotics, autonomy and AI risk and does not underwrite. Travelers underwrites technology E&O as a selectable part of CyberRisk Tech, so the buyer chooses E&O, cyber, or both on Travelers paper. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")

### AI Exclusions Versus a Negligent-Services Example

Risklytics frames the line as paying when a model or integration costs a customer money, and says some insurers exclude AI losses. Travelers describes help with alleged errors, omissions or negligent acts—such as lost revenue from a software error—and separates that from breach response and cybercrime in other agreements. Travelers’ reviewed pages do not describe an AI-exclusion screen. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")

### Limits, Fees and Buying Path

Risklytics lists a typical $1–$5 million per-claim ask and an online application with no broker fee on top of premium. Travelers does not publish E&O limits and tells buyers to consult an agent or a Travelers representative. Travelers also markets to life-sciences companies alongside technology firms. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")

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

- Ask Travelers which CyberRisk Tech agreements are selected; ask Risklytics which specialist carrier is quoting. [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Have Risklytics flag AI exclusions; ask Travelers how model-output claims sit in the E&O agreement. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [6](https://www.travelers.com/business-insurance/technology "Technology Insurance")
- Compare the quoted limit with Risklytics’ $1–$5 million typical ask. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance")
- Confirm Cyber Risk Services do not attach unless cyber coverage is selected at Travelers. [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")

## Offering Details

| Criteria | Risklytics Professional Liability (Tech E&O) Insurance | Travelers CyberRisk Tech Technology Errors and Omissions Coverage |
| --- | --- | --- |
| 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..) | 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. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology and CyberRisk Tech product pages, as read on 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Technology-page FAQ and the cyber-for-technology product page..) |
| 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..) | 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. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") (Evidence: Company-reported; scope: Technology-page FAQ answer on technology E&O; exclusions, retentions and defense-cost treatment are not detailed on this page..)<br><br>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. [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber-for-technology product page; the exact combinations available depend on underwriting and state..) |
| 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..) | The reviewed pages do not publish limit or retention amounts for the technology E&O insuring agreement specifically. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Not publicly disclosed; scope: Technology and cyber-for-technology 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. [4](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber Risk Services description; scope is broader cyber coverage, not confirmed as an E&O-specific benefit..) |
| 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..) | 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. [9](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Cyber-for-technology page CTA..) |

## Full Comparison

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

### Travelers

6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Who needs technology errors and omissions (E&O) insurance?; Cyber insurance: Travelers CyberRisk Tech insurance safeguards technology businesses from errors and omissions claims and cybersecurity threats. Accessed 2026-09-23.
7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
9. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; What does cyber insurance coverage for technology companies include?; CyberRisk Tech offers broad and scalable protection options – businesses can choose cyber protection, E&O protection or both. Accessed 2026-09-23.

### Tech E&O Insurance Guide

10. [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.
11. [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.
12. [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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