What Are the Key Differences Between Resilience and RiskCube Tech E&O Insurance?
$25 Million-Plus Companies vs Early-Stage Niche Tech
Resilience writes US technology E&O, primary or excess, only for companies with $25 million to $10 billion in revenue, across technology services, hardware, data centers, telecom, software and web services. RiskCube is an independent broker targeting AI/ML, fintech, govtech, defense, space and Web3 companies, and talks about early-stage startups choosing lower limits. Choose Resilience if you are above $25 million in revenue and want a known insurer and up to $10 million; choose RiskCube if you are an early-stage AI, fintech, defense or crypto company below that floor. [8] [10]
Built-In Endorsements and a Claims Team vs AI Excess and Contract Checks
Resilience writes endorsements into the policy form instead of stacking separate documents, and runs a 24/7 in-house claims and incident-response team with a dedicated manager through settlement. RiskCube publishes no limits or claims process, but can layer excess for AI gaps such as algorithmic bias or hallucination claims and checks the waiver-of-subrogation wording enterprise contracts demand. [8] [6] [10]
Named Insurers vs Unnamed Markets
Resilience’s policies are issued by Homeland Insurance Company of New York or of Delaware and distributed by its own agency. RiskCube says it is not an insurer and doesn’t name which one would issue your policy. [7] [9]
What Should You Confirm in Resilience and RiskCube Tech E&O Insurance Quotes?
- Check your revenue against Resilience’s $25 million to $10 billion band, and ask which Homeland company issues. [8] [7]
- Ask RiskCube which insurer is quoting and whether patent or other IP claims are excluded. [10]
- Compare RiskCube’s quoted limit with Resilience’s $10 million maximum. [8] [10]
- If your contracts include waiver-of-subrogation or AI-output terms, ask RiskCube about excess and Resilience how its form handles them. [10] [8]