What Are the Key Differences Between Embroker and Risklytics Tech E&O Insurance?
AI Exclusion Check vs Blended Policy Without One
Risklytics places professional liability (tech E&O) with outside insurers and says some insurers quietly exclude AI-related losses, so it reads every form for AI exclusions before binding. It says the cover matters once a customer relies on your model’s output, and that enterprise customers often require it before a first contract. Embroker sells tech E&O and cyber as one blended policy with advertised limits up to $5 million, and describes no AI-exclusion review. Choose Risklytics if you sell an AI product to enterprise customers; choose Embroker if you want E&O and cyber on one policy and aren’t in crypto, blockchain or cannabis. [8] [10] [4] [3]
Separate Cyber vs Cyber on the Same Policy
Risklytics treats tech E&O as cover for when your product or service costs a customer money, separate from cyber liability for hacks and data leaks, so you may need a second policy. Embroker puts cyber liability and professional negligence on the same blended policy, but requires multifactor authentication once you pass $5 million in revenue. [10] [4] [3]
No Broker Fee vs Direct or Broker Channel
Risklytics starts with an online application, says it adds no broker fee on top of premium, and keeps a licensed producer on your file until bind. Embroker offers a direct online quote and a separate path through appointed brokers. [9] [4]
What Should You Confirm in Embroker and Risklytics Tech E&O Insurance Quotes?
- Ask Embroker whether losses from your model’s output are covered or excluded, and ask Risklytics to show you the AI language on its proposed form. [10] [4]
- Compare Risklytics’ typical $1 million to $5 million request with Embroker’s $5 million limit and sub-limits. [10] [3]
- Ask Risklytics whether you need a standalone cyber policy too. [10]
- Ask both which insurer issues the policy; neither names one. Embroker’s excess can’t sit above its own primary. [4] [8]