Foxquilt vs Riskcube: Technology E&O Insurance

RiskCube, an independent brokerage, compares carriers for AI/ML, fintech, govtech and Web3 tech E&O. For Foxquilt, a separate tech E&O form is not established; it lists technology and creative inside its broader professional liability E&O.

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

What Are the Key Differences Between Foxquilt and RiskCube Tech E&O Insurance?

Underwriting detail and technology risks

RiskCube targets AI/ML, fintech, government technology, defense, space and Web3 firms, and asks about products, customers, revenue, contracts and prior claims or known incidents; it says quote timing depends on complexity. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O. A buyer can compare RiskCube’s named applicant segments and information requests with the class and quote details relevant to its Foxquilt inquiry. [8] [3]

Terms to compare

RiskCube describes bugs, SLA failures, client financial loss and related data loss, lists exclusions including IP infringement and known incidents, and says it can layer excess coverage. Foxquilt’s page describes broader professional-service E&O and lists technology and creative classes. Ask how the proposed forms address the same contract, IP and AI exposures before comparing any excess structure. [8] [7] [3]

What Should You Confirm in Foxquilt and RiskCube Tech E&O Insurance Quotes?

  • Ask RiskCube how its proposed form treats AI outputs, prior known incidents, IP claims and waiver-of-subrogation requests. Ask Foxquilt for its technology form and whether it offers matching contract and excess terms. [8] [3]

RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create customer financial loss or contract-performance disputes. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O; a separate technology form is not established.

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
    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

  3. 03
    Professional Liability (E&O)

    Foxquilt · E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. · accessed 2026-09-29

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Disclosures & Compensation

    RiskCube · Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers" · accessed 2026-09-23

  8. 08
    Technology Errors and Omissions (E&O) Insurance

    RiskCube · Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer · accessed 2026-09-23

  9. 09
    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

  10. 10
    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

Areas of coverage

Foxquilt

  • role: Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

RiskCube

  • role: RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.company-reportedSource ↗
  • insurer: RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.company-reportedSource ↗Source ↗
  • eligibility: RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. Tech E&O product page "Who needs this coverage" section.company-reportedSource ↗
  • coverage: RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. Tech E&O product page "What's covered" section.company-reportedSource ↗
  • coverage: RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. Tech E&O product page "Common Exclusions" section.company-reportedSource ↗
  • limits: RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ.not-disclosedSource ↗
  • services: RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. Tech E&O product page "AI & enterprise risk" FAQ.company-reportedSource ↗
  • application: RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.company-reportedSource ↗
  • claims: The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. Tech E&O product page as read on 2026-09-23.not-foundSource ↗

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