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

Marsh pairs coverage specialists with attorneys, economists and actuaries and serves banks, asset managers, venture firms and healthcare companies. Embroker sells standalone professional liability to professional-services businesses, with an online quote.

Embroker treats cyberattacks and data breaches as separate from E&O; Marsh says many professional-liability policies it places can include privacy and computer-security claims. ^1,²

What Are the Key Differences Between Embroker and Marsh 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). ¹Company-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. ²

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. ¹ 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. ²

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. ² 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. ¹

What Should You Confirm in Embroker and Marsh 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. ²
Ask both companies to name the issuing insurer; Embroker's page doesn't address it, and Marsh's pages don't name one either. ¹ ²
Get the limit and retention from each; neither publishes figures publicly. ¹ ²
If your business falls outside Marsh's named specialty industries, ask whether its professional liability practice would still take the account. ²

Embroker vs Marsh Professional Liability (E&O) Insurance Compared

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

Criteria	Embroker Professional Liability Insurance	Marsh Professional Liability Insurance Brokerage
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. ¹Company-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. ²Company-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. ¹Company-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). ¹Company-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. ²Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form.
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. ¹Company-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. ^2,³Company-reported. Marsh professional liability page and MMA executive and professional liability page.

Criteria

Embroker Professional Liability Insurance

Marsh Professional Liability Insurance Brokerage

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. ¹Company-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. ²Company-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. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

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. ²Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form.

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. ¹Company-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. ^2,³Company-reported. Marsh professional liability page and MMA executive and professional liability page.