---
title: "Embroker vs Markel Insurance: Tech E&O Insurance"
description: "Embroker publishes credit-based surety price examples and an online quote path; Markel lists contract and commercial bond programs."
canonical: "https://spot.insure/compare/embroker-vs-markel/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "embroker-vs-markel"
provider-a: "embroker"
provider-b: "markel"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-markel/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Embroker and Markel Insurance 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 Markel Insurance. 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 Markel Insurance for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Embroker or Markel Insurance?
- What does Embroker or Markel Insurance 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 Markel Insurance?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Embroker and Markel Insurance.
- 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 Markel Insurance](https://spot.insure/compare/embroker-vs-markel) — 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)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Embroker vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/embroker-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Crime Insurance](https://spot.insure/compare/embroker-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Cyber Insurance](https://spot.insure/compare/embroker-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance D&O Insurance](https://spot.insure/compare/embroker-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance General Liability Insurance](https://spot.insure/compare/embroker-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/embroker-vs-markel/management-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/embroker-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Surety Bonds](https://spot.insure/compare/embroker-vs-markel/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Tech E&O Insurance](https://spot.insure/compare/aig-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions) — 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 Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/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 Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

Embroker publishes credit-based surety price examples and an online quote path; Markel lists contract and commercial bond programs.

## How to Use the Embroker vs Markel Insurance Tech E&O Insurance Comparison

Use this comparison to evaluate Embroker and Markel Insurance 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.

## Embroker vs Markel Insurance Tech E&O Insurance Summary

Embroker describes construction bond types and gives illustrative rates from 1–5% for excellent credit to as high as 20% for poor credit. Markel lists contract, commercial, court, and probate bonds, including co-surety support. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O 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)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [6](https://www.markel.com/about-us "About us") [7](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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")

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

### Bond Menu and Construction Details

Markel names contract, commercial, court, and probate bonds and says its contract-bond support can be standalone or co-surety. Embroker's construction menu includes license, bid, performance, payment, maintenance, utility, supply, and subdivision bonds. A contractor can use these lists to identify whether a required bond type is expressly named, then confirm the obligee's form and amount with the broker or surety. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

### Credit and Premium Illustration

Embroker says surety pricing depends mainly on credit and illustrates a $50,000 bond costing $500–$2,500 for excellent credit versus up to $10,000 for poor credit. Markel's reviewed offering does not publish a comparable pricing range. Treat Embroker's example as a guide to the credit sensitivity it describes, not a quote; compare the premium, collateral, and indemnity requirements Markel returns for the same bond. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Online Intake and Coverage Purpose

Embroker asks applicants to choose the bond type and amount, then request a quote through its platform. It also emphasizes that the bond protects the obligee rather than the contractor and that the business still needs insurance for its own losses. Markel's page takes a contact-led route and does not make the same point in its summarized claims, so ask both how indemnity works and which separate insurance the project requires. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

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

- Ask Embroker whether your bond amount, credit profile, and collateral change the illustrative percentage and what indemnity is required. [5](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

- Ask Markel for the premium and collateral requirements for the exact bond type and whether co-surety is proposed. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## Embroker vs Markel Insurance Tech E&O Insurance Compared

| Criteria | Embroker Technology Errors and Omissions / Cyber Insurance | Markel technology errors omissions (official overview) |
| --- | --- | --- |
| 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..) | Markel describes offering technology errors omissions for the audience stated on the cited product page. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..)<br><br>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 cited product page describes professional liability for broadly defined technology services, including software/SaaS, hardware, and consulting examples. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..)<br><br>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..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| 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 page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for Embroker vs Markel Insurance Tech E&O Insurance

- [Embroker vs Markel Insurance](https://spot.insure/compare/embroker-vs-markel): 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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/embroker-vs-markel/commercial-property)
- [Embroker vs Markel Insurance Crime Insurance](https://spot.insure/compare/embroker-vs-markel/crime)
- [Embroker vs Markel Insurance Cyber Insurance](https://spot.insure/compare/embroker-vs-markel/cyber)
- [Embroker vs Markel Insurance D&O Insurance](https://spot.insure/compare/embroker-vs-markel/directors-officers)
- [Embroker vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-markel/employment-practices)
- [Embroker vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-markel/fiduciary)
- [Embroker vs Markel Insurance General Liability Insurance](https://spot.insure/compare/embroker-vs-markel/general-liability)
- [Embroker vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/embroker-vs-markel/management-liability)
- [Embroker vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/embroker-vs-markel/product-liability)
- [Embroker vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-markel/professional-errors-omissions)
- [Embroker vs Markel Insurance Surety Bonds](https://spot.insure/compare/embroker-vs-markel/surety-bonds)
- [Embroker vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-markel/workers-compensation)
- [AIG vs Embroker Tech E&O Insurance](https://spot.insure/compare/aig-vs-embroker/technology-errors-omissions)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions)
- [Alliance Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/technology-errors-omissions)
- [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/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 Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions)

## Sources for Embroker vs Markel Insurance Tech E&O Insurance

### Sources About 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.

### Sources About Markel Insurance

6. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
7. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
8. [IT Professionals E&O Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals). Markel; Who is this for; software/SaaS, hardware, consultants; professional liability and cyber sections.. Accessed 2026-09-30.

### Sources for the 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 Review Scores for 2026

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).

## Markel Insurance Review Scores for 2026

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-markel/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)