Alliance Risk vs Amelia Risk: Technology E&O Insurance

Two placement firms: Alliance Risk specializes in Tech E&O and offers a free review of an existing policy, while Amelia Risk is a brokerage that approaches insurers for you and reviews the quotes with you.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

What Are the Key Differences Between Alliance Risk and Amelia Risk Tech E&O Insurance?

Published Numbers vs First-Policy Guidance

Both are brokers. Alliance Risk specializes in Tech E&O for SaaS, AI, IT consultancies and MSPs, and publishes typical limits and a $2,500 small-firm deductible so you can budget before you apply. Amelia Risk publishes no limits or insurers but tells you when to buy: once people are using your technology, in beta or full release. Choose Alliance Risk if you already have a policy to review or need to match a contract's limit; choose Amelia Risk if you're launching and buying your first policy. [2] [6] [4]

How Each Works Your File

Alliance Risk offers a free review of your existing Tech E&O policy and asks for your largest client contracts and claims history when quoting. Amelia Risk gathers your information, approaches insurers, reviews quotes with you and says it advocates for you during claims. [2] [5]

What's Covered

Alliance Risk describes cover for failure to perform and errors in deliverables, including wrong or biased AI outputs, and says cyberattacks need a separate cyber policy. Amelia Risk describes cover when your product or service fails and causes a client or user a financial loss, and lists no exclusions. [2] [6]

What Should You Confirm in Alliance Risk and Amelia Risk Tech E&O Insurance Quotes?

  • Ask Amelia Risk which insurers it would approach and its proposed limits and deductible. [5] [6]
  • Ask Alliance Risk whether its typical limits and $2,500 deductible apply to your revenue and contracts. [2]
  • Ask both whether AI outputs and cyber incidents are covered, and quote cyber separately if not. [2] [6]

Areas of coverage

Alliance Risk

  • role: Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. Tech E&O page opening description.company-reportedSource ↗
  • eligibility: Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. Tech E&O page, "Who Needs Tech E&O Insurance?" section.company-reportedSource ↗
  • coverage: Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.company-reportedSource ↗
  • limits: Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.company-reportedSource ↗
  • services: Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.company-reportedSource ↗
  • application: For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. Tech E&O page, "What We Need for Your Quote" section.company-reportedSource ↗
  • claims: The reviewed Tech E&O page describes the quote and policy-review process but does not describe a dedicated claims-reporting procedure or claims-advocacy service specific to a Tech E&O loss. Tech E&O page as read on 2026-09-23.not-foundSource ↗
  • insurer: Alliance Risk's Tech E&O page does not name the carriers it places coverage with; it says it "markets your risk to carriers that specialize in technology E&O" without identifying one. Tech E&O page as read on 2026-09-23; the issuing insurer depends on the specific placement.not-disclosedSource ↗

Amelia Risk

  • role: Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.company-reportedSource ↗Source ↗
  • coverage: Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.company-reportedSource ↗
  • eligibility: Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule.company-reportedSource ↗
  • eligibility: Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.company-reportedSource ↗
  • insurer: The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.not-disclosedSource ↗Source ↗
  • application: Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.company-reportedSource ↗
  • claims: Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.company-reportedSource ↗

Alliance Risk specializes in Tech E&O, publishing typical limits from $250,000/$500,000 to $2 million/$3 million-plus, a $2,500 small-firm deductible and a free review of your current policy. Amelia Risk says to buy once people use your product, even in beta, then shops insurers for you.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Tech E&O Insurance

    Alliance Risk · Opening placement description; Who Needs Tech E&O Insurance?; What Tech E&O Insurance Covers/Does NOT Cover; Tech E&O Insurance vs. Cyber Liability Insurance; How Much Does Tech E&O Insurance Cost?; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review · accessed 2026-09-23

  3. 03
    Insurance For Technology Companies

    Amelia Risk Insurance Brokers · Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O · accessed 2026-09-16

  4. 04
    Insurance Policies

    Amelia Risk Insurance Brokers · Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella · accessed 2026-09-23

  5. 05
    Our Specialties

    Amelia Risk Insurance Brokers · Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence · accessed 2026-09-23

  6. 06
    Technology Errors and Omissions

    Amelia Risk Insurance Brokers · What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? · accessed 2026-09-23

  7. 07
    DigiTech Enterprise Risk Management

    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

  8. 08
    Insurance and Bonding Guidelines

    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

  9. 09
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  10. 10
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  11. 11
    Technology Errors and Omissions Insurance

    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. 12
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk