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

Marsh designs data center programs that combine tech E&O with property and casualty lines. Embroker sells one blended Tech E&O/Cyber policy directly online, and its broker program targets private tech firms under $300 million in revenue.

Embroker sells private tech companies under $300 million in revenue a blended Tech E&O and cyber policy you can quote online, with limits up to $5 million. Marsh builds custom programs for larger or specialized risks, such as data centers, where it says off-the-shelf tech E&O leaves gaps. ^1,^2,^4,³

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

Off-the-Shelf Blended Policy vs a Custom-Built Program

Embroker sells Tech E&O and cyber as one blended policy that you quote on its platform or buy through an appointed broker. It covers cyber, professional negligence, software or hardware defects, breach of contract and delayed product launches. Marsh treats technology E&O as a specialty within its professional-liability practice and builds it into larger programs; for data centers, it says standard tech E&O wasn't built for their scale and combines it with property and casualty. Choose Embroker if you're a startup or growth-stage software company that wants a ready-made policy; choose Marsh if you run infrastructure like a data center or need a program designed around you. ¹ ² ⁴ ³

Published Appetite Screens vs No Published Limits

Embroker's broker program is for private, for-profit tech companies under $300 million in revenue, needs multifactor authentication above $5 million in revenue, excludes crypto, blockchain and cannabis, and offers up to $5 million with named sub-limits. Its excess product won't sit over an Embroker primary. Marsh serves tech alongside banking, insurance, asset management, media and healthcare, and publishes no Tech E&O limits. ² ¹ ⁴

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

If you run a data center, ask Marsh how tech E&O fits with your property and casualty program. ³ ¹
Ask both which insurer issues the policy. ¹ ⁴
If you need more than $5 million, plan excess from another insurer over Embroker, or ask Marsh for a full tower. ² ¹ ³

Embroker vs Marsh Tech E&O Insurance Compared

Embroker vs Marsh: Tech E&O Insurance: documented features by provider

Criteria	Embroker Technology Errors and Omissions / Cyber Insurance	Marsh Technology Errors and Omissions Insurance
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. ²Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.	Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. ⁴Company-reported. Marsh professional liability page, What We Offer section.
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. ¹Company-reported. Retail product-page What's covered section; the issued policy and declarations control.	Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. ³Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product.
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. ^1,²Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.	Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. ^4,³Company-reported. Marsh professional liability page and data-center insurance page.