---
title: "Embroker vs Marsh: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-marsh/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-marsh"
provider-a: "embroker"
provider-b: "marsh"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and Marsh 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 Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs Marsh for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Embroker or Marsh?
- What does Embroker or Marsh publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Embroker and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 online, up to $5 million; Marsh designs custom programs, such as data-center towers combining tech E&O with property and casualty.

## Embroker vs Marsh Tech E&O Insurance Summary

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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [4](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [3](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [4](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [3](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### 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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [4](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")

## 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](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")
- Ask both which insurer issues the policy. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [4](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability")
- If you need more than $5 million, plan excess from another insurer over Embroker, or ask Marsh for a full tower. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## Embroker vs Marsh Tech E&O Insurance Compared

| 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. [2](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..) | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. [4](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [3](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](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..) | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [3](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Marsh professional liability page and data-center insurance page..) |

## About Embroker and Marsh and Tech E&O Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

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

- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh): 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 Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions)
- [Marsh Tech E&O Insurance](https://spot.insure/insurance-providers/marsh/technology-errors-omissions)

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

### Sources About Embroker

1. [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.
2. [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 Marsh

3. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
4. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-marsh/technology-errors-omissions.md)
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