Embroker vs 
RiskCube: How Do They Compare for Tech E&O Insurance?
RiskCube is an independent brokerage comparing carriers for AI/ML, fintech, govtech and Web3 firms. Embroker sells a blended policy directly online, though its broker program excludes crypto, blockchain and cannabis businesses.
Embroker sells a blended Tech E&O and cyber policy online or through brokers with limits up to $5 million, but its broker program excludes crypto, blockchain and cannabis; RiskCube is an independent broker that compares Tech E&O across insurers for AI, fintech and Web3 companies and returns quotes in about 24 hours. 1,2,3
What Are the Key Differences Between Embroker and RiskCube Tech E&O Insurance?
One Blended Policy vs a Broker for AI, Fintech and Web3
Embroker sells its own blended Tech E&O and cyber policy, quoted directly online or through appointed brokers, with limits up to $5 million and named sub-limits. Its Embroker Access broker program excludes businesses involved in crypto, blockchain or cannabis. RiskCube is an independent broker that compares Tech E&O across outside insurers it doesn't name, targeting AI/ML, fintech, govtech, defense, space and Web3 companies. It asks for your product, customers, revenue, SLA or indemnity terms and claims history, and says quotes typically come back in about 24 hours. Choose Embroker if you're a mainstream software company that wants to buy online; choose RiskCube if you're in crypto, Web3, AI or defense and need a broker to find a willing insurer. 1 2 3 4
AI Excess Layers vs Excess That Can't Sit on Its Own Primary
RiskCube says limits depend on your contracts and exposure, with early-stage startups often starting lower, and it can layer excess cover for AI-specific gaps such as algorithmic-bias or hallucination claims while checking your MSA's waiver-of-subrogation language. Embroker's excess can't sit above an Embroker primary, so you'd need a second insurer for more than $5 million. 2 1 3
IP Exclusions on Both Sides
RiskCube lists patent and other IP infringement among common Tech E&O exclusions. Embroker's retail page lists IP infringement as excluded while its broker program lists software code infringement as included. Neither gives you clear IP cover up front. 3 1 2
What Should You Confirm in Embroker and RiskCube Tech E&O Insurance Quotes?
- If you're a crypto or Web3 company, check that Embroker's exclusion doesn't apply to you before applying. 2 3
- Ask RiskCube which insurer's form it's quoting and how its IP exclusion reads; ask Embroker the same. 3 1
- Compare Embroker's $5 million structure with RiskCube's quoted limits and any AI excess layer. 2 3
- Ask RiskCube how it supports you if a claim is made. 3
Embroker vs RiskCube Tech E&O Insurance Compared
Embroker vs RiskCube: Tech E&O Insurance: documented features by provider
| Criteria | Embroker Technology Errors and Omissions / Cyber Insurance | RiskCube Technology Errors and Omissions (E&O) Insurance |
|---|---|---|
| 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. | RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. 3Company-reported. Tech E&O product page "Who needs this coverage" section. |
| How to Apply | Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. 1,2Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research. | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. 3Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs. |
| 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. | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. 3Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. 3Company-reported. Tech E&O product page "Common Exclusions" section. |
| 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. | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 3Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes. |
