Amelia Risk vs Riskcube: Technology E&O Insurance

Two brokerages, two focuses: RiskCube aims Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 firms and says quotes typically return in about 24 hours, while Amelia Risk's tech vertical spans software, hardware, robotics and life sciences.

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

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 ↗

RiskCube

  • role: RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.company-reportedSource ↗
  • insurer: RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.company-reportedSource ↗Source ↗
  • eligibility: RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. Tech E&O product page "Who needs this coverage" section.company-reportedSource ↗
  • coverage: RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. Tech E&O product page "What's covered" section.company-reportedSource ↗
  • coverage: RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. Tech E&O product page "Common Exclusions" section.company-reportedSource ↗
  • limits: RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ.not-disclosedSource ↗
  • services: RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. Tech E&O product page "AI & enterprise risk" FAQ.company-reportedSource ↗
  • application: RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.company-reportedSource ↗
  • claims: The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. Tech E&O product page as read on 2026-09-23.not-foundSource ↗

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

AI, Fintech and Defense Specialist vs Broad Technology Broker

Both are brokers and neither names the insurers it uses. RiskCube compares Tech E&O across insurers for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can cause client losses or contract disputes. Amelia Risk covers software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. Choose RiskCube if you sell AI models or serve government, defense or financial customers and need a quote fast; choose Amelia Risk if you build hardware, robotics or life-sciences technology and want a broker to walk you through quotes. [11] [10] [2] [5]

AI Gap Excess and Published Exclusions vs a One-Line Description

RiskCube covers software bugs, SLA or contract failures, client financial losses and related data loss, and names common exclusions: intentional wrongdoing, known incidents, patent and other IP infringement, and insolvency. It can layer excess cover for AI-related gaps such as algorithmic bias or hallucination claims, and checks the waiver-of-subrogation wording enterprise contracts ask for. Amelia Risk describes Tech E&O only as covering financial loss when a product or service fails. [5] [11]

Quotes in About 24 Hours vs Claims Advocacy

RiskCube asks for product, customer, revenue, SLA or indemnity terms and known incidents, and says quotes typically return in about 24 hours. Amelia Risk publishes no turnaround for its four-step process but describes claims advocacy, which RiskCube doesn’t. Neither publishes limits. [11] [3] [5]

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

  • Ask both whether patent and other IP claims are excluded. [11] [5]
  • If a customer contract requires waiver of subrogation, ask each broker to confirm the policy grants it. [11]
  • Check each broker’s timeline against when your contract needs a certificate. [11] [3]
  • Get the insurer and limits in writing from both. [10] [5]

RiskCube is a broker for AI, fintech, govtech, defense, space and Web3 companies that returns Tech E&O quotes in about 24 hours and can add excess cover for AI bias or hallucination claims; Amelia Risk brokers Tech E&O for software, hardware, robotics and life-sciences companies through a four-step review.

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
    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

  9. 09
    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

  10. 10
    Disclosures & Compensation

    RiskCube · Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers" · accessed 2026-09-23

  11. 11
    Technology Errors and Omissions (E&O) Insurance

    RiskCube · Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer · accessed 2026-09-23

  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

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