Risklytics vs Vouch Tech E&O Insurance

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. ¹Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. ¹⁰Company-reported. Vouch's Technology practice page.

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. ^4,1Company-reported. Lines page and about page; no specific insurer is published for this line.

Neither the Technology page nor the tech E&O blog post names the insurer that underwrites Vouch's tech E&O placements. ^10,11Not publicly disclosed. Pages checked on 2026-09-23.

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. ⁴Company-reported. Lines page.

Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. ¹⁰Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.

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. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. ¹¹Company-reported. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.

Risklytics lists a typical ask of $1 million to $5 million per claim for this line. ⁴Company-reported. Lines page; actual limits are set on the bound policy.

Neither page publishes tech E&O policy limits or retentions; the blog says the amount of coverage a company chooses affects the cost of the policy without naming a range. ¹¹Not publicly disclosed. Pages checked on 2026-09-23.

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. ⁴Company-reported. Lines page.

Not described in the reviewed sources.

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. ^5,1Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. ¹⁰Company-reported. Vouch Technology page navigation.