Relm vs Risklytics: Technology E&O Insurance

Risklytics, a licensed producer, places E&O with outside carriers and lists a typical ask of $1 million to $5 million per claim; Relm Insurance markets tech E&O as professional liability for the technology sector, separate from cyber.

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

Fintech and blockchain companies should look at Relm, which sells a dedicated Fintech E&O product. AI companies should look at Risklytics, which reads every form for hidden AI exclusions, cites a typical request of $1 million to $5 million per claim and lets you apply online.

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

Fintech Form vs AI Exclusion Review

Relm sells tech E&O through brokers and offers a separate Fintech E&O product for when standard tech E&O isn’t enough for blockchain vulnerabilities and regulatory scrutiny. Risklytics, a licensed producer that places tech E&O with outside insurers, says some insurers quietly exclude AI-related losses and reads every form for those exclusions before binding. Relm cites AI claims such as biased decisions, model theft and data poisoning but describes no such review. Choose Relm if you are a fintech or blockchain company; choose Risklytics if you sell an AI product and need to be sure its outputs are covered. [6] [9] [7]

Online Application With No Broker Fee vs Broker Channel

Risklytics starts with an online application and says it adds no broker fee on top of premium; it cites $1 million to $5 million per claim as a typical request. Relm publishes no limits and no application path, so you go through a broker. [8] [9] [6]

Service and Advice Failures vs Product Errors

Relm frames tech E&O around poor service delivery, contract failures, system failures or software glitches and negligent advice, and warns it overlaps with cyber without replacing it. Risklytics illustrates a product error that costs a customer money, such as a perception model mislabeling shipments, and keeps that distinct from cyber for hacks and leaks. [6] [9]

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

  • Ask both which insurer issues the policy; neither names one. [6] [9]
  • If you are a fintech, ask Relm whether Fintech E&O is quoted; ask Relm how its form treats AI-related losses. [6] [9]
  • Get Relm’s proposed limit and compare it with the $1 million to $5 million range Risklytics cites. [9] [6]
  • Ask Relm’s broker how it is paid; Risklytics says it adds no fee. [8] [6]

Areas of coverage

Relm Insurance

  • role: Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.company-reportedSource ↗
  • coverage: Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for Tech E&O placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗

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 ↗

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
    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

  5. 05
    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

  6. 06
    Cyber and Technology Errors and Omissions

    Relm Insurance · What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? · accessed 2026-09-23

  7. 07
    About Risklytics: who we are

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

  8. 08
    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

  9. 09
    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

  10. 10
    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

  11. 11
    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

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

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