Embroker vs Marsh Professional Liability (E&O) Insurance

Embroker excludes cyberattacks from its professional liability policy; Marsh says many of the policies it places also cover computer security breaches.

What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. ^1,^2,³

Read the Embroker profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^5,^6,^7,⁸

Read the Marsh profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^11,^12,^13,¹⁴

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Whether Cyber Exposure Is Included

Embroker's page names what it doesn't cover, and cyberattacks are on that list:

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.

Marsh instead says many of the professional liability policies it places also cover privacy violations and computer security breaches, an overlap Embroker's page rules out. ⁹

Who Each Targets

Embroker markets to businesses giving professional advice or services generally, naming accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals. ⁴ Marsh instead names specialized industries its professional liability experts serve, including banking, insurance companies and asset managers, merchant banking and venture capital, and healthcare and biotechnology. ⁹

Depth of Risk Assessment

Marsh says it draws on attorneys, economists and actuaries alongside its coverage specialists to assess a client's professional liability exposure from multiple angles. ⁹ Embroker's reviewed page describes an online quote engine that weighs size, industry risk, location and claims history, with no comparable exposure-assessment team mentioned. ⁴

What to Confirm in Professional Liability (E&O) Insurance Quotes

If cyber exposure matters to your business, confirm whether Marsh's placed policy actually includes privacy or computer-security coverage or whether that needs a separate cyber policy too. ⁹
Ask both companies to name the issuing insurer; Embroker's page doesn't address it, and Marsh's pages don't name one either. ⁴ ⁹
Get the limit and retention from each; neither publishes figures publicly. ⁴ ⁹
If your business falls outside Marsh's named specialty industries, ask whether its professional liability practice would still take the account. ⁹

Offering Details

Embroker vs Marsh Professional Liability (E&O) Insurance: documented features by provider

Criteria	Embroker Professional Liability Insurance	Marsh Professional Liability Insurance Brokerage
Role in This Line	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's financial and professional liability practice places professional liability (errors and omissions) insurance; MMA also places E&O coverage within its executive and professional liability practice for middle-market clients. ^9,¹⁰Company-reported. Marsh professional liability page and MMA executive and professional liability page.
Issuing Insurer	Not described in the reviewed sources.	The reviewed pages do not name a specific professional liability insurer. ^9,¹⁰Not publicly disclosed. Marsh professional liability page and MMA executive and professional liability page as read on 2026-09-23.
Who It’s For	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.	Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. ⁹Company-reported. Marsh professional liability page, What We Offer section.
Coverage Features	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.	Marsh says professional liability coverage can protect a company against liability and defense costs from a claim alleging an error, omission or negligence in performing professional services, and that many policies also cover privacy violations and computer security breaches. ⁹Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form.
Limits and Retentions	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.	Not described in the reviewed sources.
Risk Services	Not described in the reviewed sources.	Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. ⁹Company-reported. Marsh professional liability page.
How to Apply	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.	Not described in the reviewed sources.

Full Comparison

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Other Professional Liability (E&O) Insurance Comparisons

Sources

Embroker

Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
Terms And Conditions. 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.
Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.

Marsh

Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
Professional liability. Marsh; Opening description; What We Offer: specialized industries served (banking, insurance/asset managers, merchant banking/venture capital, accountants/attorneys/architects/engineers, media/communications/entertainment, technology, healthcare/biotechnology). Accessed 2026-09-23.
Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.