Embroker vs Relm Insurance Tech E&O Insurance

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. ^4,5Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.

Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ⁸Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Not described in the reviewed sources.

The reviewed page does not name a specific issuing insurer for Tech E&O placements. ⁸Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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. ⁵Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.

Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. ⁸Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.

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. ⁴Company-reported. Retail product-page What's covered section; the issued policy and declarations control.

Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. ^4,5Conflicting sources. Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote.

Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ⁸Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.

Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ⁸Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.

Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ⁸Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ⁵Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page.

Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ⁴Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.

Not described in the reviewed sources.

Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. ^4,5Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.

Not described in the reviewed sources.