Marsh vs Risklytics: Technology E&O Insurance

Risklytics suits a company whose customers rely on a model's output, with an online application, a typical ask of $1 million to $5 million per claim and a check for AI exclusions; Marsh has technology specialists and data center programs.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Risklytics suits AI-driven companies heading into enterprise deals: apply online, no broker fee, a typical $1 million to $5 million per-claim limit, and every form checked for hidden AI exclusions. Marsh suits larger or data-center operators, building Tech E&O into custom programs with property and casualty.

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
    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

  4. 04
    Data center insurance and risk management

    Marsh · Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers · accessed 2026-09-23

  5. 05
    Professional liability

    Marsh · What We Offer: specialized industries served, including Technology · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

  8. 08
    About Risklytics: who we are

    Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23

  9. 09
    How pricing and broker fees work

    Risklytics · Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium · accessed 2026-09-23

  10. 10
    Professional Liability (Tech E&O) Insurance

    Risklytics · Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23

  11. 11
    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

  12. 12
    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

What Are the Key Differences Between Marsh and Risklytics Tech E&O Insurance?

AI-Exclusion Screening vs Data-Center Program Design

Both place Tech E&O with insurers they don't name. Risklytics says some insurers quietly exclude AI-related losses, so it reads every policy form for those exclusions before binding. Marsh says off-the-shelf Tech E&O can leave gaps at data-center scale and designs programs combining it with property and casualty. Choose Risklytics if your product runs on AI or models customers rely on; choose Marsh if you operate data centers or need E&O coordinated with other large lines. [10] [8] [4]

Before Your First Enterprise Contract vs Specialist Industries

Risklytics describes claims when your product costs a customer money, such as a perception model mislabeling shipments, and says enterprise customers usually require the cover in procurement before your first contract. It cites a typical ask of $1 million to $5 million per claim. Marsh names technology among its professional liability specialties, alongside banking, insurance, asset management, media and healthcare, and publishes no Tech E&O limits. [10] [5]

Online Application With No Broker Fee vs Specialist-Led Placement

You start Risklytics online; it says it adds no broker fee on top of premium and is paid commission by the insurer. Marsh doesn't describe an online application or fees for this line. [9] [8] [5]

What Should You Confirm in Marsh and Risklytics Tech E&O Insurance Quotes?

  • Ask both for the issuing insurer. [5] [10]
  • Ask Risklytics to show any AI exclusions on the quoted form, and ask Marsh how its placement treats model-output claims. [10] [4]
  • Compare Risklytics' typical $1 million to $5 million ask with the limit Marsh proposes. [10] [5]
  • Ask Marsh how it's paid on this placement. [9] [5]

Areas of coverage

Marsh

  • role: Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. Marsh professional liability page and data-center insurance page.company-reportedSource ↗Source ↗
  • eligibility: Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. Marsh professional liability page, What We Offer section.company-reportedSource ↗
  • coverage: Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.company-reportedSource ↗
  • insurer: The reviewed pages do not name a specific technology E&O insurer. Marsh professional liability and data-center insurance pages as read on 2026-09-23.not-disclosedSource ↗Source ↗

Risklytics

  • role: Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. About page; describes Risklytics' brokerage model generally, restated for this line.company-reportedSource ↗
  • coverage: Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • eligibility: Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. Lines page.company-reportedSource ↗
  • limits: Risklytics lists a typical ask of $1 million to $5 million per claim for this line. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
  • services: Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. Lines page.company-reportedSource ↗
  • insurer: Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. Lines page and about page; no specific insurer is published for this line.company-reportedSource ↗Source ↗
  • application: You start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. Pricing page describes the general application and fee process, not a line-specific form.company-reportedSource ↗Source ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk