--- title: "Coalition vs Embroker: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/coalition-vs-embroker/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "coalition-vs-embroker" provider-a: "coalition" provider-b: "embroker" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/coalition-vs-embroker/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Coalition and Embroker for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Coalition versus Embroker. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coalition vs Embroker for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Coalition or Embroker? - What does Coalition or Embroker publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Coalition and Embroker. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile - [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile # 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 sells blended Tech E&O/Cyber directly online to tech companies under $300 million revenue with limits up to $5 million; Coalition sells Tech E&O only alongside its Active Cyber policy, through brokers, to any tech provider. ## Coalition vs Embroker Tech E&O Insurance Summary 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [3](https://www.coalitioninc.com/control "Coalition Control") ## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ### 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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ### 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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ### 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") ## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") - Ask Coalition for its Tech E&O limit and how it compares with Embroker's $5 million. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") - If you need excess cover, don't plan to put Embroker excess over an Embroker primary. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") - Ask Coalition which insurer issues the policy; its disclosures describe a non-standard (surplus lines) insurer for some products. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") - Check your revenue, MFA setup and industry against Embroker's rules. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") ## Coalition vs Embroker Tech E&O Insurance Compared | 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail and broker-facing page descriptions; not a statement about the issuing insurer..) | ## About Coalition and Embroker and Tech E&O Insurance - [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews) - [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Coalition vs Embroker Tech E&O Insurance - [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Coalition Tech E&O Insurance](https://spot.insure/insurance-providers/coalition/technology-errors-omissions) - [Embroker Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions) ## Sources for Coalition vs Embroker Tech E&O Insurance ### Sources About Coalition 1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who's It For?; Coalition Advantage: comprehensive protection, compounded benefits through cyber coverage, streamlined claims handling, Coalition Control; Tech E&O Claims: causes list. Accessed 2026-09-23. 2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23. 3. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23. ### Sources About Embroker 4. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23. 5. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coalition-vs-embroker/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)