Amelia Risk vs Marsh: Technology E&O Insurance

Amelia Risk is a brokerage that lists Tech E&O as its own policy line for tech clients. Marsh treats it as one of its professional liability specialties and, for data centers, designs programs combining it with property and casualty lines.

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

Amelia Risk places standalone Tech E&O for software, hardware, robotics, AI and life-sciences startups, and says to buy once people use your product, even in beta. Marsh treats Tech E&O as a specialty and builds it into data-center programs alongside property and casualty.

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
    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

  3. 03
    Insurance Policies

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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 08
    Data center insurance and risk management

    Marsh · Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers · accessed 2026-09-23

  9. 09
    Professional liability

    Marsh · What We Offer: specialized industries served, including Technology · accessed 2026-09-23

  10. 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. 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. 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. 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

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

A Standalone Policy for Startups vs Part of a Larger Program

Amelia Risk places Technology E&O as its own policy through a four-step brokerage process and says it advocates for you during claims. Marsh treats technology E&O as one of its financial and professional liability specialties and builds it into data-center programs that combine it with property, casualty and other lines. Neither names an insurer. Choose Amelia Risk if you’re a tech startup buying your first Tech E&O policy; choose Marsh if you run data centers or need E&O coordinated with property and casualty. [5] [3] [9] [8]

Buy at Beta vs Gaps at Data-Center Scale

Amelia Risk says to consider Tech E&O once people are using your technology, in beta or full release, and serves software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. Marsh serves technology alongside banking, insurance, asset management, media and healthcare, and warns that off-the-shelf Tech E&O can leave gaps at data-center scale and concentration. [5] [2] [9] [8]

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

  • Ask Marsh whether it’s quoting standalone Tech E&O or a data-center program that includes it. [8]
  • Get the insurer and limits from both; neither publishes them. [5] [9]
  • If you run a data center, ask Marsh which gaps it sees in off-the-shelf Tech E&O. [8]

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 ↗

Marsh

  • role: Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. Marsh professional liability page and data-center insurance page.company-reportedSource ↗Source ↗
  • eligibility: Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. Marsh professional liability page, What We Offer section.company-reportedSource ↗
  • coverage: Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.company-reportedSource ↗
  • insurer: The reviewed pages do not name a specific technology E&O insurer. Marsh professional liability and data-center insurance pages as read on 2026-09-23.not-disclosedSource ↗Source ↗

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