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Embroker vs Resilience

Compare Embroker’s management-suite transition with a Resilience technology E&O placement when renewing a funded startup’s program.

Introduction

For a funded startup approaching renewal, a new management-liability suite can change more than the cyber premium. Embroker's EMIS brings several lines into one application, while Resilience provides a focused cyber and technology E&O comparison. Decide whether the task is replacing a technology policy or redesigning the management program before comparing totals. 9 29 30

Where Each Provider Shines

Where Embroker Shines

  • Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. 9
  • Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. 17,16

Where Resilience Shines

  • Technology E&O for software, hardware and technology services 30
  • Financial risk prioritization and multi-entity cyber visibility 34,35

Coverage Comparison

Coverage TypeEmbrokerResilience
Business owner’s policyListed 8Not listed
Commercial autoListed 21Not listed
Commercial propertyListed 22Not listed
CrimeListed 8Not listed
Cyber liabilityListed 8Listed 29
Directors and officersListed 8Not listed
Employment practices liabilityListed 8Not listed
Fiduciary liabilityListed 8Not listed
General liabilityListed 8Not listed
Key personListed 20Not listed
Management liabilityListed 9Not listed
Product liabilityListed 24Not listed
Professional liability / E&OListed 8,14Not listed
Surety bondsListed 23Not listed
Technology errors and omissionsListed 11Listed 30
Umbrella and excess liabilityListed 13Not listed
Venture capital asset protectionListed 25Not listed
Workers’ compensationListed 8Not listed

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Embroker and Resilience

A Suite Transition Is a New Underwriting Decision

Embroker’s August 2026 Management Insurance Suite (EMIS) brings D&O, employment practices, fiduciary liability and, for eligible technology companies, Tech E&O/Cyber into one application. Buyers may select individual coverages or a bundle. 9

EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. 9

A legacy Embroker customer should ask what changes when moving to EMIS and which coverages can remain elsewhere. Resilience's technology E&O proposal would address a focused part of that decision; its catalogue does not establish a substitute for EMIS's D&O, employment-practices and fiduciary modules. A lower subtotal is not a comparable program price if those lines were removed. 9 27

Technology Appetite and IP Wording Need Separate Checks

Embroker's Access technology program specifies revenue and security-control criteria and excludes certain industries. Resilience states a different technology E&O revenue range. Have the broker assess the company's actual activities and revenue against the particular quote, especially if it develops AI or operates near an excluded industry. 11 30

Embroker’s retail Tech E&O page lists intellectual-property infringement, copyright and libel among exclusions, while its broker program advertises software-code infringement coverage. The public descriptions do not reconcile that difference; request the proposed form and endorsements for your activities. 12,11

That unresolved difference makes a form-level review more useful than comparing a generic E&O label. Ask for the wording applicable to software-code allegations and customer indemnities on both proposals; Resilience's product summary alone does not answer those questions. 30

A Higher Limit May Require Another Placement

The retail Tech E&O FAQ says Embroker’s excess product cannot sit above an Embroker primary policy. An Embroker primary buyer therefore needs a separate answer about how to obtain higher limits. 12

Resilience markets primary and excess technology E&O, but the public page does not establish compatibility with an Embroker primary. If the objective is only more limit, request confirmation of the underlying policy's acceptability before assuming that either company's excess product can supply the next layer. 13 30

Embroker's FAQ also warns that changing brokers can affect proprietary-product renewal access. Plan the servicing handoff with the proposed placement rather than cancelling an account first. Resilience's broker inquiry route does not resolve who will maintain the remaining Embroker policies. 4 31

What to Confirm in Quotes

Request a line-by-line expiring-to-proposed schedule: retained legacy policies, new EMIS modules, any separately placed Resilience policy and the broker servicing each. Obtain the applicable IP wording, prior-work terms and excess compatibility confirmation. Then identify the actual issuing entities and California product routes; Embroker's named program insurers and Resilience's Homeland alternatives are product-specific disclosures, not a universal insurer map. 9 11 13 28

Service Comparison

Embroker vs Resilience: documented services and availability

CriteriaEmbrokerResilience
Business role

Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. 15,7

Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. 10,2

The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. 7

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. 27,29,30

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. 28

Customer focus

Embroker is a business insurance broker and online platform for buying and managing coverage. It serves funded startups, technology companies, law firms, investment firms and other professional-services businesses. You can apply online or get help arranging insurance from its brokers. 1,2,4

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. 30

Application process

The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. 26

An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. 2

An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. 2

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. 31,33

Access to insurers

Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. 9,13,14,15

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. 28

Servicing and renewals

EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. 9

The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. 4

Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. 4

If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. 4

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. 34,35

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. 28

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. 31,29,30

Sources

Embroker Official Website

  1. Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
  2. 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.
  3. Compensation Disclosure. Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
  4. Insurance FAQ. Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
  5. Published License List. Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15.
  6. California License Number Search. California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15.
  7. Embroker Insurance Services LLC — Entity Record. Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
  8. Business Insurance Coverage Options. Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15.
  9. Embroker Launches EMIS. Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15.
  10. Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
  11. Tech E&O / Cyber — Broker Program. Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15.
  12. Technology Errors And Omissions / Cyber. Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
  13. Excess Tech E&O / Cyber. Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15.
  14. Lawyers Professional Liability — Broker Program. Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15.
  15. Everest Elevation Lawyers Professional Liability — Specimen. Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
  16. Law Firm Insurance Package. Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
  17. Insurance For Technology Companies. Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
  18. Embroker’s AI Coverage. Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15.
  19. Claims. Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
  20. Key Person Insurance. Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15.
  21. Commercial Auto Insurance. Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15.
  22. Commercial Property Insurance. Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15.
  23. Surety Bonds. Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15.
  24. Product Liability Insurance. Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15.
  25. Insurance For Venture Capital And Private Equity Firms. Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15.
  26. Start An Embroker Quote. Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15.

Resilience Official Website

  1. Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
  2. Disclaimer. Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16.
  3. Cyber Insurance. Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16.
  4. Technology E&O. Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16.
  5. Brokers. Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16.
  6. Claims & Incident Response. Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16.
  7. Contact Us. Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16.
  8. Security Investment Prioritization. Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16.
  9. Multi-Entity & Portfolio Risk. Resilience; Resilience Arc introduction. Accessed 2026-09-16.
  10. Terms and Conditions. Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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