Amelia Risk vs Hub International: Technology E&O Insurance

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

Deep-Tech Specialist vs Large Tech Practice

Amelia Risk lists Technology E&O as its own line for software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies once people are using the technology, and runs a four-step process: gather information, approach insurers, review quotes with you, then you decide. HUB brokers tech E&O through its general E&O practice and a dedicated technology practice for startups and established software, hardware and digital-media firms, and says it insures more than 5,000 tech companies. Choose Amelia Risk if you're a robotics, AI or life-sciences startup; choose HUB if you want a large broker handling several lines as you scale. [3] [2] [8] [9]

A One-Line Definition vs Prior-Acts Detail

Amelia Risk describes Tech E&O as cover when your product or service fails and costs a client money. HUB says E&O typically pays defense, judgments, settlements and fines for misrepresentation, breach of professional services, wrongful practices and misleading advice, and can include prior-acts cover back to a retroactive date. If you're switching insurers, prior-acts cover protects work you did before the new policy starts; ask Amelia Risk whether its placement keeps your retroactive date. [5] [8]

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

Ask HUB whether its technology practice or general E&O desk will handle your file. [8] [3]
Ask both to keep your existing retroactive date. [8] [5]
Ask both for limits and the insurer; neither publishes them. [8] [5]
Ask each who supports you on a Tech E&O claim. [3] [8]

Amelia Risk suits robotics, AI, autonomous-vehicle and life-sciences startups that want a specialist broker once people use their technology; HUB suits tech companies that want a large broker, saying it insures more than 5,000 of them. Neither publishes Tech E&O limits or insurers.

Sources reviewed

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
02
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
03
Insurance Policies
Amelia Risk Insurance Brokers · Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella · accessed 2026-09-23
04
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
05
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
06
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
07
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
08
Errors and Omissions (E&O) Insurance Coverage
HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23
09
Insurance for Technology Companies
HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23
10
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
11
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
12
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
13
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

Areas of coverage

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 ↗

HUB International

role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗