Berkshire Hathaway Specialty Insurance vs Risklytics: Technology E&O Insurance

Risklytics, a licensed producer, places Tech E&O with outside carriers through an online application and no added broker fee. Berkshire Hathaway Specialty Insurance lists Technology E&O as a distinct product with named target classes.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.company-reportedSource ↗
  • eligibility: The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets.company-reportedSource ↗
  • eligibility: The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. U.S. selection qualification applies; no general eligibility inference.company-reportedSource ↗
  • services: The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.company-reportedSource ↗

Risklytics

  • role: Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. About page; describes Risklytics' brokerage model generally, restated for this line.company-reportedSource ↗
  • coverage: Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • eligibility: Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. Lines page.company-reportedSource ↗
  • limits: Risklytics lists a typical ask of $1 million to $5 million per claim for this line. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
  • services: Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. Lines page.company-reportedSource ↗
  • insurer: Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. Lines page and about page; no specific insurer is published for this line.company-reportedSource ↗Source ↗
  • application: You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. Pricing page describes the general application and fee process, not a line-specific form.company-reportedSource ↗Source ↗

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Risklytics Tech E&O Insurance?

Customer Reliance and AI Terms

Risklytics frames Tech E&O around a product or service causing customer financial loss, such as a model mislabeling shipments or an integration corrupting orders, and says enterprise procurement often requires the coverage. Berkshire Hathaway Specialty Insurance names software design and system integration as target classes, along with IT staffing and training. For a company whose customers rely on model outputs, ask whether both proposals address faulty output as well as conventional professional-service errors. [10] [3]

Broker Placement and Capacity

Risklytics is a producer placing policies with outside carriers, gives $1 million to $5 million as a typical limit request and says it checks forms for AI exclusions. Berkshire Hathaway Specialty Insurance names a Technology E&O product but publishes no line limit or AI wording in its overview. Ask Risklytics to identify the carrier and actual AI exclusion language; ask Berkshire Hathaway Specialty Insurance for its form, available capacity and treatment of model-related claims. [10] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Risklytics Tech E&O Insurance Quotes?

  • Which insurer will Risklytics approach, and does the form cover customer losses from model output or integration failures? [10]
  • What AI exclusions and limit does Berkshire Hathaway Specialty Insurance include in its Technology E&O proposal? [3]

Risklytics describes customer-loss scenarios involving AI or integration errors and typical $1 million to $5 million requests; Berkshire Hathaway Specialty Insurance lists Technology E&O target classes without a published limit.

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
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    About Risklytics: who we are

    Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23

  9. 09
    How pricing and broker fees work

    Risklytics · Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium · accessed 2026-09-23

  10. 10
    Professional Liability (Tech E&O) Insurance

    Risklytics · Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23

  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

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