What Are the Key Differences Between Marsh and RiskCube Tech E&O Insurance?
Data-Center Programs vs an Emerging-Tech Market Scan
Both are brokers and neither names the insurer. Marsh places technology among its specialized professional-liability industries and designs data-center programs, warning that off-the-shelf tech E&O leaves gaps at modern data-center scale. RiskCube is an independent brokerage that compares Tech E&O across insurers for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models could cause customer losses or contract disputes. Choose Marsh if you run data centers; choose RiskCube if you build AI, defense or Web3 products. [5] [4] [9] [8]
AI Excess and Published Exclusions vs Neither Described
RiskCube lists common exclusions: intentional wrongdoing or fraud, known incidents, patent and other IP infringement, and insolvency. It can add excess for AI bias or hallucination claims and checks the waiver-of-subrogation wording enterprise contracts often require. Marsh publishes no exclusion list or AI excess. [9] [4] [5]
About 24 Hours to a Quote vs No Stated Timeline
RiskCube asks for product, customer, revenue, SLA or indemnity details and prior claims, then typically returns quotes in about 24 hours. Marsh describes no quote timeline for this line. [9] [5]
What Should You Confirm in Marsh and RiskCube Tech E&O Insurance Quotes?
- Get the insurer, limits and retention on both quotes. [5] [8]
- If you run a data center, ask Marsh how E&O is packaged with property and casualty; if you ship AI models, ask RiskCube about excess for bias or hallucination claims. [4] [9]
- Ask both how IP infringement claims are treated. [9] [5]
- If a client contract requires a waiver of subrogation, confirm it on both quotes. [9] [4]