--- title: "Embroker vs Liberty Mutual: Tech E&O Insurance" description: "Embroker combines Tech E&O and cyber with published limits and tech-industry eligibility rules; Liberty Mutual describes a blended cyber and Tech E&O product." canonical: "https://spot.insure/compare/embroker-vs-liberty-mutual/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "embroker-vs-liberty-mutual" provider-a: "embroker" provider-b: "liberty-mutual" 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/embroker-vs-liberty-mutual/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Embroker and Liberty Mutual 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 Embroker versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Embroker vs Liberty Mutual for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Embroker or Liberty Mutual? - What does Embroker or Liberty Mutual publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Tech E&O Insurance from Embroker or Liberty Mutual? **Key facts:** - Line: Tech E&O Insurance. Providers: Embroker and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Embroker vs Liberty Mutual](https://spot.insure/compare/embroker-vs-liberty-mutual) — parent: all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line - [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Embroker vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Embroker vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Embroker vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Embroker vs Liberty Mutual Surety Bonds](https://spot.insure/compare/embroker-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Embroker vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [At-Bay vs Embroker Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [At-Bay vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) # Embroker vs Liberty Mutual: How Do They Compare for Tech E&O Insurance? Embroker combines Tech E&O and cyber with published limits and tech-industry eligibility rules; Liberty Mutual describes a blended cyber and Tech E&O product. ## Research Scope and Use Use this comparison to evaluate Embroker and Liberty Mutual for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Embroker's broker program offers up to $5 million for most agreements and targets private tech firms under $300 million in revenue; Liberty Mutual describes combined coverage without published limits. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ## What Is Embroker? Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [6](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [7](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [14](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [15](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies") ## Key Differences in Tech E&O Insurance ### Embroker publishes limits and sublimits Embroker advertises up to $5 million for most insuring agreements, with $1 million sublimits for reputational harm and telecommunications fraud and $500,000 for social engineering, funds transfer fraud, and bricking. Liberty Mutual describes Liberty Tech Resolution as blended cyber and Tech E&O but does not list limits in the reviewed claim. Compare sublimits with your likely loss scenarios instead of looking only at the top-line limit. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ### Embroker states technology eligibility boundaries Embroker targets private, for-profit technology firms under $300 million in revenue, including fintech, AI, digital health, HR tech, and SaaS; it excludes crypto, blockchain, and cannabis businesses. Liberty Mutual describes a technology-company solution without comparable revenue or industry boundaries in the reviewed claim. Ask whether your business activities qualify before investing time in either submission. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ### Buyers can start online or through a broker Embroker offers a direct online quote and also distributes through its Embroker Access broker portal. Liberty Mutual directs business buyers to an agent or broker. If you already work with a broker, ask whether they can access Embroker's broker program and compare it with Liberty Tech Resolution. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ## What to Confirm in Tech E&O Insurance Quotes - Ask Embroker whether MFA applies to your revenue tier, which sublimits are relevant, and whether excess can sit over your current carrier. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") - Ask Liberty Mutual for the revenue and industry appetite, cyber and E&O limits, and any sublimits. [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ## Offering Details | Criteria | Embroker Technology Errors and Omissions / Cyber Insurance | Liberty Tech Resolution | | --- | --- | --- | | Role in This Line | 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..) | Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Who It’s For | 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..) | The commercial cyber page directs business buyers to a broker or agent. [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Coverage Features | 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..)

Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. [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: Conflicting sources; scope: Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote..) | The company describes a blended cyber and Tech E&O solution for technology-company exposures. [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Limits and Retentions | Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page..)

Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. [4](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here..) | Confirm in your quote. | | How to Apply | 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..) | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [8](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Full Comparison - [Embroker vs Liberty Mutual](https://spot.insure/compare/embroker-vs-liberty-mutual): 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. - [Embroker vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/cyber) - [Embroker vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/fiduciary) - [Embroker vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/general-liability) - [Embroker vs Liberty Mutual Surety Bonds](https://spot.insure/compare/embroker-vs-liberty-mutual/surety-bonds) - [Embroker vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/workers-compensation) - [Alliance Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/technology-errors-omissions) - [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) - [Amelia Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/technology-errors-omissions) - [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) - [At-Bay vs Embroker Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-embroker/technology-errors-omissions) - [At-Bay vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-liberty-mutual/technology-errors-omissions) ## Sources ### Embroker 1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 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. ### Liberty Mutual 6. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 7. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 8. [Cyber Insurance](https://business.libertymutual.com/commercial-solutions/cyber-insurance/). Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services.. Accessed 2026-09-29. ### Tech E&O Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16. 10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 11. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16. 12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16. 14. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16. 15. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Embroker Reviews Review Score: 5.6 / 10 from 3 rated sources, equally weighted. Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality. - Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com) - BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895) - Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews). ## Liberty Mutual Reviews Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/embroker-vs-liberty-mutual/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)