What Are the Key Differences Between Coalition and Risklytics Tech E&O Insurance?
An AI and Robotics Specialist vs E&O Paired With Cyber
Risklytics doesn’t underwrite; it places Risklytics Professional Liability (Tech E&O) with specialist insurers willing to write robotics, autonomy and AI risk. Coalition designs Tech E&O that combines only with its Active Cyber policy and sells it through appointed brokers. Choose Risklytics if your product uses AI or autonomous systems; choose Coalition if you want E&O and cyber together with security monitoring. [9] [11] [4]
AI-Exclusion Review vs Standard Tech Claims
Risklytics says some insurers quietly exclude AI-related losses, so it reads every policy form for those exclusions before binding; its customers typically ask for $1 million to $5 million per claim. Coalition’s Tech E&O lists bugs, delays and licensed-code IP claims but publishes no limit range and describes no AI-exclusion review. If your model’s output is your product, that review matters. [11] [4]
Online Application With No Broker Fee vs Broker Consultation
You start Risklytics online; it says it adds no broker fee on top of premium and a licensed producer stays on your file until you bind. Coalition has no self-serve Tech E&O quote and routes you to a consultation or appointed broker, with its Coalition Control security platform included for policyholders. [10] [4] [3]
What Should You Confirm in Coalition and Risklytics Tech E&O Insurance Quotes?
- Ask Risklytics for the form’s AI exclusion language and the per-claim limit you’ll get. [11]
- Ask Coalition whether Active Cyber must be on the same quote, and which surplus lines insurer issues Tech E&O (surplus lines insurers aren’t backed by state guaranty funds). [4] [5]
- Check Risklytics’ no-broker-fee statement against your binder. [10]
- Ask how each form treats a model’s faulty output versus a cyber incident. [11] [4]