Amelia Risk vs Embroker: How Do They Compare for Tech E&O Insurance?

Embroker sells a blended Tech E&O and cyber policy directly to technology companies, with an online quote, and through appointed brokers. Amelia Risk is a brokerage that approaches insurers on your behalf.

Embroker sells Tech E&O and cyber as one blended policy, directly or through brokers, for private tech companies under $300 million in revenue, with limits up to $5 million; Amelia Risk is a startup broker that places Tech E&O as its own line and publishes no revenue cap or limits. ^5,^6,^3,¹

What Are the Key Differences Between Amelia Risk and Embroker Tech E&O Insurance?

One Blended Policy Under $300 Million vs a Separate Brokered Line

Embroker sells Tech E&O and cyber as one blended policy, directly and through Embroker Access brokers, for private, for-profit tech companies under $300 million in revenue, with limits up to $5 million. Amelia Risk places Technology E&O as its own line, separate from general liability and umbrella, and says you should generally buy it once people are using your technology; it publishes no revenue cap or limits. Choose Embroker if you're under $300 million in revenue and want E&O and cyber in one policy; choose Amelia Risk if you're above that cap or want E&O shopped on its own. ⁵ ⁶ ³ ¹

Conflicting IP Wording vs No Published IP Terms

Embroker's retail materials say the policy excludes copyright infringement, libel and intellectual property infringement, but its broker program lists software code infringement as included. That conflict matters if a customer could accuse your code of infringing theirs. Amelia Risk says Tech E&O covers financial loss from a failed product or service and doesn't publish IP terms. ⁵ ⁶ ¹

What Should You Confirm in Amelia Risk and Embroker Tech E&O Insurance Quotes?

Ask Embroker to show on the actual form whether software code infringement is covered or excluded. ⁵ ⁶
Check your revenue against Embroker's $300 million cap, and ask Amelia Risk whether its insurers have a cap. ⁶ ²
If you already have Embroker primary cover, note that Embroker excess can't sit on top of it. ⁶
Ask Amelia Risk which insurer would issue its placement. ¹

Amelia Risk vs Embroker Tech E&O Insurance Compared

Amelia Risk vs Embroker: Tech E&O Insurance: documented features by provider

Criteria	Technology Errors and Omissions	Embroker Technology Errors and Omissions / Cyber Insurance
Who It’s For	Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ¹Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ²Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.	Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. ⁶Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. ^5,⁶Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. ⁵Company-reported. Retail product-page What's covered section; the issued policy and declarations control.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. ^5,⁶Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.