Resilience vs StartupInsurance.ai: How Do They Compare for Business Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^1,3,4Company-reportedBrand-level offering; not a statement that the brand is the risk-bearing insurer.

Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ²Company-reportedUS distribution entity; regulator license lookup not completed.

StartupInsurance.ai is a route for startups to request coverage, while ContractorNerd Insurance Services, LLC acts as the agent or broker and does not underwrite the policies. The brand identifies itself as ContractorNerd’s marketing name. ^12,15Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. ^14,15Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

Businesses can ask Resilience about primary or excess cyber limits up to $20 million, including privacy and eCrime; confirm the eCrime sublimit (advertised up to $500,000) and conditions in the quote. ³Company-reportedMarketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.

Software, hardware and technology-services businesses can consider Resilience Tech E&O, which advertises $10 million limits on US primary and excess placements. ⁴Company-reportedTechnology-specific professional liability; not general professional E&O or a guarantee of offered limits.

The startup catalogue lists general liability, technology E&O, professional liability, cyber, D&O, employment practices, fiduciary, crime, workers’ compensation, and umbrella/excess. ¹¹Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

Its physical-risk catalogue lists product liability, inland marine, tools/equipment, commercial auto, builders risk, surety and property. These are advertised placement categories, not guaranteed eligibility. ¹¹Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

StartupInsurance.ai also advertises access to AI-failure coverage. The reviewed page does not identify its issuer, form or California eligibility; this does not establish that an ordinary cyber or E&O policy includes it. ¹¹Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was documented. ^5,7Company-reportedObserved public broker/contact route; no application submitted or portal accessed.

The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. ¹³Company-reportedPublic company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.

Get premium, taxes, placement costs and security charges itemized because reviewed pages do not publish standard fees or commission rates. ^5,7,2,10,3,4Not publicly disclosedPublic-source review, not a finding that charges or commissions are absent.

ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. ¹⁶Company-reportedDisclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.