What Are the Key Differences Between At-Bay and Relm Insurance Tech E&O Insurance?
Separate From Cyber, With a Fintech Split
Relm markets Technology E&O as professional liability for the technology sector, separate from the cyber liability product on the same page, and says having one does not protect against the other’s exposures. It also says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product for blockchain-related vulnerabilities and regulatory scrutiny. At-Bay presents Tech E&O as its technology-liability line with Stance using the same InsurSec structure as its cyber product, without a separately named fintech E&O form on the reviewed page. [10] [5]
When comparing At-Bay and Relm Insurance, the more specific product menu can make fit easier to judge before you request a quote.
What Each Page Says a Claim Looks Like
At-Bay describes negligence in installations, coding, data processing, implementations and outages, plus contractual indemnity and service credits as damages, and expanded contract and IP terms. Relm says Tech E&O covers inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers, and negligent advice or failure to disclose product limitations, typically including defense, settlements and judgments. Relm also cites AI-model bias, model theft and data poisoning as example exposures. [5] [10]
Limits and Insurer Disclosure
At-Bay publishes up to $10 million of primary and excess capacity for revenue up to $5 billion. Relm’s reviewed page does not name an issuing insurer for Tech E&O and does not publish limit amounts. [5] [10]