---
title: "Embroker vs Resilience: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-resilience/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-resilience"
provider-a: "embroker"
provider-b: "resilience"
coverage-line: "technology-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and Resilience for Tech E&O 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 Tech E&O 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 Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Embroker or Resilience?
- What does Embroker or Resilience publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O 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
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — 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 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's blended Tech E&O and cyber policy offers up to $5 million for private tech firms under $300 million in revenue, while Resilience offers up to $10 million for companies with $25 million to $10 billion in revenue and runs in-house claims.

## Embroker vs Resilience Tech E&O Insurance Summary

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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [4](https://cyberresilience.com/disclaimer/ "Disclaimer") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

## 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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### 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](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### 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](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")
- Check your revenue against Embroker's $300 million cap and Resilience's $25 million floor. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")
- If you need more than $5 million from Embroker, ask how excess would be stacked. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

## Embroker vs Resilience Tech E&O Insurance Compared

| 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). [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page..)<br><br>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. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) |

## About Embroker and Resilience and Tech E&O 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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Embroker vs Resilience Tech E&O Insurance

- [Embroker vs Resilience](https://spot.insure/compare/embroker-vs-resilience): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Embroker Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions)
- [Resilience Tech E&O Insurance](https://spot.insure/insurance-providers/resilience/technology-errors-omissions)

## Sources for Embroker vs Resilience Tech E&O Insurance

### Sources About Embroker

1. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23.
2. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23.

### Sources About Resilience

3. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
4. [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.
5. [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/technology-errors-omissions.md)
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- [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)