Embroker vs Marsh McLennan Agency: How Do They Compare for Professional Liability (E&O) Insurance?

Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. ⁷Company-reported. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ⁴Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.

Organizations seeking professional liability placement; source does not imply all professions share one policy. ⁷Company-reported. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ⁴Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.

The cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ⁷Company-reported. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ⁴Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.

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. ⁷Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.

Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ⁴Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.

The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. ⁷Company-reported. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.