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

Embroker offers a direct online quote for blended Tech E&O and cyber, with broker-program limits up to $5 million for private tech firms under $300 million in revenue. Coalition sells only with its own cyber policy via appointed brokers.

Embroker lets tech companies under $300 million in revenue buy a blended Tech E&O and cyber policy directly, with limits up to $5 million, but excludes crypto and cannabis. Coalition sells Tech E&O only alongside its Active Cyber policy, through appointed brokers, with Coalition Control security tools included. ^4,^5,^1,³

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

Buy Direct vs Broker-Only With Required Cyber

Embroker sells Tech E&O/Cyber as one blended policy directly to technology companies and through appointed brokers on Embroker Access. Coalition sells Tech E&O only combined with its Active Cyber Insurance, and you buy it through a consultation or an appointed broker. Choose Embroker if you're a private tech company under $300 million in revenue that wants to buy directly; choose Coalition if you're in crypto or blockchain, over $300 million in revenue, or want cyber security tools built into the policy. ⁴ ⁵ ¹

Who Can Buy

Embroker's broker program targets private, for-profit tech companies under $300 million in revenue, requires multifactor authentication above $5 million in revenue, and excludes crypto, blockchain and cannabis. Coalition markets to any organization that sells a technology product or service. ⁵ ¹

Limits and Excess

Embroker advertises limits up to $5 million, and its excess Tech E&O/Cyber can't sit above an Embroker primary policy. Coalition doesn't publish Tech E&O limits. ⁵ ⁴ ¹

Copyright Treatment

Coalition lists IP claims over licensed code among the claims its Tech E&O addresses. Embroker contradicts itself: its retail page says the policy excludes copyright, libel and IP infringement, while its broker program lists software code infringement as included. ¹ ⁴ ⁵

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

Ask Embroker for the specimen wording on code and copyright infringement before you buy. ⁴ ⁵
Ask Coalition for its Tech E&O limit and how it compares with Embroker's $5 million. ⁵
If you need excess cover, don't plan to put Embroker excess over an Embroker primary. ⁴
Ask Coalition which insurer issues the policy; its disclosures describe a non-standard (surplus lines) insurer for some products. ² ¹
Check your revenue, MFA setup and industry against Embroker's rules. ⁵

Coalition vs Embroker Tech E&O Insurance Compared

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

Criteria	Coalition Technology Errors & Omissions Coverage	Embroker Technology Errors and Omissions / Cyber Insurance
Who It’s For	Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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. ⁵Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.
How to Apply	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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. ^4,⁵Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.
Coverage Features	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.	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. ⁴Company-reported. Retail product-page What's covered section; the issued policy and declarations control.
Role in This Line	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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. ^4,⁵Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.