What Are the Key Differences Between Coalition and RiskCube Tech E&O Insurance?
Specialist Sector Broker vs Cyber-Bundled Product
RiskCube is an independent brokerage that compares Tech E&O across insurers it doesn't name, for AI and machine-learning, fintech, govtech, defense, space and Web3 companies whose software or models can cause customer losses. Coalition designs Tech E&O that must be bought with its Active Cyber Insurance, for any fee-charging tech product or service, through appointed brokers. Choose RiskCube if you build AI or work in a regulated or frontier sector and need speed; choose Coalition if you want E&O and cyber from one program with monitoring included. [10] [9] [4]
AI Gaps and Contract Checks vs Included Monitoring
RiskCube says it typically returns quotes in about 24 hours, can layer excess cover for AI claims such as algorithmic bias or hallucinations, and checks waiver-of-subrogation language in enterprise contracts. It also lists common exclusions: intentional wrongdoing or fraud, known incidents, patent and other IP infringement, and insolvency. Coalition includes Coalition Control monitoring and doesn't list exclusions or describe AI-specific cover. [10] [4] [3]
What Should You Confirm in Coalition and RiskCube Tech E&O Insurance Quotes?
- Ask RiskCube which insurer issues the form and whether patent and other IP claims are excluded. [10]
- Ask Coalition which insurer issues its Tech E&O and confirm Active Cyber is bound alongside it. [5] [4]
- If your enterprise contracts require waiver of subrogation, ask both to show it on the specimen. [10] [4]
- Ask RiskCube how you report a claim; its page doesn't say. [10] [4]