What Does Tech E&O Insurance from RiskCube Cover?

RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹Company-reportedTech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. ^1,2Company-reportedCompany-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.

RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. ¹Company-reportedTech E&O product page "Who needs this coverage" section.

RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ¹Company-reportedTech E&O product page "What's covered" section.

RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ¹Company-reportedTech E&O product page "Common Exclusions" section.

RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. ¹Not publicly disclosedTech E&O product page "How much Tech E&O coverage do startups need" FAQ.

RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. ¹Company-reportedTech E&O product page "AI & enterprise risk" FAQ.

RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. ¹Company-reportedTech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.

The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. ¹Not found in reviewed sourcesTech E&O product page as read on 2026-09-23.