Embroker vs Resilience: How Do They Compare for Cyber Insurance?

Embroker offers a free risk-profile tool and an online quote; Resilience advertises cyber limits up to $20 million, primary or excess, with threat monitoring and attack simulations.

Resilience names Homeland Insurance Company of New York or Delaware as U.S. underwriters and pairs the policy with Risk Operations Center monitoring. Embroker describes breach-response coverage and does not name an insurer. ^3,^2,¹

What Are the Key Differences Between Embroker and Resilience Cyber Insurance?

Named Homeland Paper Versus an Unnamed Embroker Issuer

Resilience's U.S. disclosure says cyber products are distributed by Ocrea Risk Services, LLC doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. Embroker sells standalone cyber and does not identify the issuer. You can ask Resilience which Homeland entity would write you. You have to ask Embroker who writes you at all. Choose Resilience if you want named U.S. underwriters plus threat monitoring with the policy; choose Embroker if you want a standalone cyber quote started online in under 10 minutes and will confirm the issuer on the quote. ³ ¹

Monitoring and Attack Simulations Versus Coverage Copy

Resilience pairs the policy with threat monitoring from its Risk Operations Center and AttackIQ breach-and-attack simulations. Embroker's page details covered losses and breach-response costs such as notification, forensics and PR, and does not describe comparable monitoring. Resilience also advertises limits up to $20 million and an eCrime sublimit up to $500,000. Embroker publishes neither. ² ¹

How You Start

Embroker offers a free risk-profile tool and a sub-10-minute quote request. Resilience's product page routes visitors to request a quote or watch an overview rather than showing a self-serve application flow. ¹ ²

What Should You Confirm in Embroker and Resilience Cyber Insurance Quotes?

Ask Resilience which Homeland company would issue the policy and whether the $20 million figure is primary or excess. ³ ²
Ask Embroker to name the insurer, limit and deductible. ¹
Ask Resilience for retentions; only maximums are published. ²

Embroker vs Resilience Cyber Insurance Compared

Embroker vs Resilience: Cyber Insurance: documented features by provider

Criteria	Embroker Cyber Insurance	Resilience Cyber Insurance
Who It’s For	Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. ¹Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ²Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
Coverage Features	Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ¹Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ¹Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ¹Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ¹Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ²Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
Role in This Line	Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ¹Company-reported. Product-page description; not a statement about the issuing insurer for this line.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ²Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.

Criteria

Embroker Cyber Insurance

Resilience Cyber Insurance

Who It’s For

Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. ¹Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business.

Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ²Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).

Coverage Features

Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ¹Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control.

Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ¹Company-reported. Product-page breach-response cost list.

Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ¹Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product.

Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ¹Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.

Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ²Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.

Role in This Line

Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ¹Company-reported. Product-page description; not a statement about the issuing insurer for this line.

Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ²Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.