Risklytics vs Techinsurance: Technology E&O Insurance

TechInsurance bundles E&O with cyber for IT businesses at a published median near $67 a month; Risklytics places tech E&O for AI and robotics risk and lists a typical ask of $1 million to $5 million per claim.

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

AI developers should look at Risklytics, which reads every form for hidden AI exclusions and cites a typical request of $1 million to $5 million per claim. IT firms that want E&O and cyber together should look at TechInsurance, whose two-policy bundle has a published median of about $67 a month.

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
    About Risklytics: who we are

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

  7. 07
    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

  8. 08
    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

  9. 09
    Technology Errors and Omissions - Tech E&O Insurance

    TechInsurance · Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure · 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

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

AI Exclusion Review vs an E&O-and-Cyber Bundle

Risklytics places tech E&O with outside insurers and reads each form for AI exclusions before binding, illustrating the risk with a perception model that mislabels shipments and costs a customer money. It cites $1 million to $5 million per claim as a typical request. TechInsurance sells two policies built for IT companies, E&O plus cyber liability covering both your own and your clients’ systems, with a published median of about $67 a month. Choose Risklytics if your product makes AI or model-driven decisions; choose TechInsurance if you are a small IT firm that wants cyber included at a low starting price. [6] [8] [9]

Missed Deadlines and Budget Overruns vs Separate Cyber

TechInsurance’s E&O covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, but IP or copyright disputes usually need an add-on. Risklytics keeps tech E&O separate from cyber for hacks and leaks, so you may need a second policy, and doesn’t say how it treats IP. [9] [8]

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

  • Ask Risklytics which insurer it binds and whether it found AI exclusions; ask TechInsurance who issues each of its two policies. [8] [9]
  • If you need cover for a breach of your own systems, get it on a cyber policy; don’t assume Risklytics’ tech E&O includes it. [9] [8]
  • Ask both about IP and copyright cover. [9] [8]
  • Treat the $67 median as a benchmark, not your price. [9]

Areas of coverage

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 ↗

TechInsurance

  • role: TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. Tech E&O product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a tech E&O policy. Tech E&O product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). Tech E&O product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.company-reportedSource ↗
  • eligibility: TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. Tech E&O product page, Technology professionals we insure section.company-reportedSource ↗
  • limits: TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗

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