Embroker vs Resilience: How Do They Compare for Tech E&O Insurance?

Revenue sets the line: Resilience targets tech firms with $25 million to $10 billion and advertises limits up to $10 million, while Embroker's broker program targets private tech firms under $300 million with limits up to $5 million.

Embroker sells a blended Tech E&O and cyber policy with limits up to $5 million for private tech companies under $300 million in revenue. Resilience offers Tech E&O limits up to $10 million, primary or excess, for companies with $25 million to $10 billion in revenue, with a 24/7 in-house claims team. ^2,^4,³

What Are the Key Differences Between Embroker and Resilience Tech E&O Insurance?

Revenue Bands Decide Who Can Buy

Embroker's broker program targets private tech companies under $300 million in revenue. Resilience targets US tech companies with $25 million to $10 billion. Under $25 million, only Embroker is open to you; above $300 million, only Resilience is; between the two, you can quote both. Choose Embroker if you're an early-stage company that wants E&O and cyber blended in one policy; choose Resilience if you're past $25 million in revenue and need more than $5 million. ² ³

Limits and Excess

Embroker advertises limits up to $5 million and sells excess, but not above its own primary. Resilience advertises up to $10 million, primary or excess. Embroker sells direct and through appointed brokers. ² ¹ ³

Claims Handling

Resilience runs a 24/7 in-house claims and incident-response team with a dedicated claims manager. Embroker doesn't describe its claims handling for this line, so ask who you'll deal with. ⁵ ¹

What Should You Confirm in Embroker and Resilience Tech E&O Insurance Quotes?

Ask Embroker which insurer issues your policy. Resilience's is Homeland Insurance Company of New York or of Delaware, distributed by Ocrea Risk Services; confirm which one is on your quote. ⁴ ¹
Check your revenue against Embroker's $300 million cap and Resilience's $25 million floor. ² ³
If you need more than $5 million from Embroker, ask how excess would be stacked. ² ¹ ³

Embroker vs Resilience Tech E&O Insurance Compared

Embroker vs Resilience: Tech E&O Insurance: documented features by provider

Criteria	Embroker Technology Errors and Omissions / Cyber Insurance	Resilience Technology E&O
Limits and Retentions	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). ²Company-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. ¹Company-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.	Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. ³Company-reported. "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote.
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. ²Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.	Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. ³Company-reported. "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range.
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. ¹Company-reported. Retail product-page What's covered section; the issued policy and declarations control.	Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. ³Company-reported. "Coverage Certainty" benefit on the product page; the actual policy as issued controls. Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. ³Company-reported. "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23.
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. ^1,²Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.	Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. ³Company-reported. Technology E&O product page introduction, accessed 2026-09-23.