---
title: "Embroker vs Resilience: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-resilience/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-resilience"
provider-a: "embroker"
provider-b: "resilience"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-resilience/cyber)

## Agent Guide

**What this page is:** Focused comparison of Embroker and Resilience for Cyber 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 Cyber Insurance questions about Embroker versus Resilience. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Cyber Insurance. Providers: Embroker and Resilience.
- 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 Resilience](https://spot.insure/compare/embroker-vs-resilience) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile

# 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 companies as U.S. underwriters and pairs the policy with threat monitoring; Embroker itemizes coverage but does not name an insurer or monitoring service.

## Embroker vs Resilience Cyber Insurance Summary

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](https://cyberresilience.com/disclaimer/ "Disclaimer") [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage")

### 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](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage")

### 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](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")
- Ask Embroker to name the insurer, limit and deductible. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage")
- Ask Resilience for retentions; only maximums are published. [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## Embroker vs Resilience Cyber Insurance Compared

| 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. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control..)<br><br>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. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: Product-page breach-response cost list..)<br><br>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. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product..)<br><br>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). [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [1](https://www.embroker.com/coverage/cyber-insurance/ "Cyber Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Cyber Insurance product page description of the combined offering, accessed 2026-09-23..) |

## About Embroker and Resilience and Cyber Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Embroker vs Resilience Cyber Insurance

- [Embroker vs Resilience](https://spot.insure/compare/embroker-vs-resilience): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Embroker Cyber Insurance](https://spot.insure/insurance-providers/embroker/cyber)
- [Resilience Cyber Insurance](https://spot.insure/insurance-providers/resilience/cyber)

## Sources for Embroker vs Resilience Cyber Insurance

### Sources About Embroker

1. [Cyber Insurance Coverage](https://www.embroker.com/coverage/cyber-insurance/). Embroker; What is Cyber Insurance?; Who is cyber insurance coverage for?; What does cyber insurance cover?; First-party coverage vs. third-party coverage; Important Note on E&O. Accessed 2026-09-23.

### Sources About Resilience

2. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
3. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
4. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. 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-resilience/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)