---
title: "Embroker vs Risklytics Insurance"
description: "Compare a move into Embroker’s management suite with a fresh frontier-tech brokerage search at renewal."
canonical: "https://spot.insure/compare/embroker-vs-risklytics"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Embroker", "Risklytics"]
---

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

# Embroker vs Risklytics Insurance

Compare a move into Embroker’s management suite with a fresh frontier-tech brokerage search at renewal.

## Research Scope and Use

Use this comparison to evaluate Embroker and Risklytics against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Embroker combines brokerage with proprietary programs, including its Management Insurance Suite. Risklytics describes operation-specific placement for frontier technology; its California access has not been established. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [10](https://access.embroker.com/ "Embroker Access") [28](https://www.risklytics.ai/about/ "About Risklytics")



## Introduction

A technology startup reaching renewal may be comparing more than two premiums. Embroker's Management Insurance Suite changes the new-business route, while Risklytics offers a fresh brokerage submission built around the operation. For an existing Embroker customer, the decision includes whether to retain a legacy product, apply for a new one or change broker and insurance together. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [27](https://www.risklytics.ai/ "Insurance for Frontier Tech")

## Documented Provider Strengths

### Embroker

- Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)
- Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.)

### Risklytics

- Risklytics says it prepares the application from your business description and website for your review. [27](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it reviews technology E&O wording for AI exclusions before binding. [34](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Embroker | Risklytics |
| --- | --- | --- |
| Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Not listed |
| Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Intellectual property | Not listed | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed |
| Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed |
| Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Not listed |
| Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Not listed |
| Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Not listed |
| Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Tools, equipment and inland marine | Not listed | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed |
| Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Embroker and Risklytics

### A New Suite Is Not an Automatic Renewal Conversion

Embroker says existing policyholders can continue renewing legacy management products, but moving into EMIS requires a new-business application. EMIS groups D&O, employment practices and fiduciary cover, with technology E&O/cyber for eligible technology businesses. Risklytics describes reviewing a submission, seeking insurer options and reading quote wording. Ask for proposals that distinguish continuing the expiring contract from replacing it; a new application is not evidence that prior coverage carries forward. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [32](https://www.risklytics.ai/faq/ "Questions founders ask")

### Changing Broker Can Affect Product Access

Embroker distributes proprietary programs through its own channel and Embroker Access. Its FAQ says a replacement broker outside Access may be unable to renew proprietary products, and leaving removes account-based certificate and policy-change functions. The Risklytics record establishes no Embroker Access relationship. A broker change therefore needs an explicit transition plan rather than an assumption that the same policy will follow the account. [10](https://access.embroker.com/ "Embroker Access") [4](https://www.embroker.com/faq/ "Insurance FAQ") [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets")

### Compare the Actual AI and IP Wording

Embroker advertises an AI endorsement for eligible technology E&O/cyber quotes, but the reviewed public documentation leaves its applicability to particular legacy or EMIS versions unresolved. Its retail and broker descriptions also differ on intellectual-property coverage. Risklytics' promise to review AI exclusions does not supply an alternative policy form. Put the proposed endorsement and exclusions beside each other and ask each broker to explain the treatment of your product's output and code. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [34](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")

## What to Confirm in Quotes

- Specify whether the offer is legacy renewal, EMIS or another insurer placement; identify the legal insurer and any prior-acts or reporting provisions. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [29](https://www.risklytics.ai/terms/ "Terms of Service")
- Resolve broker-of-record authority, certificate access and renewal eligibility before transferring the account. [2](https://www.embroker.com/terms/ "Terms And Conditions") [4](https://www.embroker.com/faq/ "Insurance FAQ")
- Confirm California placement separately: Embroker's published license list is not a product map, and Risklytics' California route is unconfirmed in the reviewed sources. [5](https://www.embroker.com/licenses/ "Published License List") [2](https://www.embroker.com/terms/ "Terms And Conditions") [28](https://www.risklytics.ai/about/ "About Risklytics")



## Service Comparison

Embroker vs Risklytics Insurance: documented services and availability.

| Criteria | Embroker | Risklytics |
| --- | --- | --- |
| Business role | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)<br><br>Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)<br><br>The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; verified: 2026-09-15.) | Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. [28](https://www.risklytics.ai/about/ "About Risklytics") [29](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) |
| Application process | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)<br><br>An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [27](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [32](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) |
| Access to insurers | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) | The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. [29](https://www.risklytics.ai/terms/ "Terms of Service") [30](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [34](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [36](https://www.risklytics.ai/lines/space/ "Space insurance, explained") (Evidence: Not publicly disclosed; scope: Reviewed sources establish a described placement mechanism, not carrier appointments, completed placements or a specific insurer contract.; verified: 2026-09-16.) |
| Servicing and renewals | EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | Risklytics says a broker remains on the account after placement and certificates can be issued against the binder. Its terms describe portal access to submissions, returned options and coverage records. The reviewed FAQ and contact page do not specify a renewal remarketing commitment or certificate turnaround guarantee. [32](https://www.risklytics.ai/faq/ "Questions founders ask") [29](https://www.risklytics.ai/terms/ "Terms of Service") [33](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Published servicing descriptions; no authenticated account inspected or service delivery measured.; verified: 2026-09-16.)<br><br>Risklytics provides a contact form and email support, advertising an email response within a day. That is its stated response target, not a measured service result or emergency claims commitment. [33](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) |
| Availability | Embroker publishes license numbers for all 50 states and Washington, D.C. That company list is not a product-availability map. Its terms make eligibility dependent on location and risk; this research did not independently verify the complete license list. [5](https://www.embroker.com/licenses/ "Published License List") [2](https://www.embroker.com/terms/ "Terms And Conditions") [6](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Company-reported; scope: Company state list checked; CDI query for California 0K44291 failed CAPTCHA. No producer or insurer license status asserted independently. No state-by-product availability matrix found.; verified: 2026-09-15.) | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [28](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [28](https://www.risklytics.ai/about/ "About Risklytics") [29](https://www.risklytics.ai/terms/ "Terms of Service") [37](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) |

## Related Reading

- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)
- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)

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- [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford)
- [Risklytics vs Travelers Insurance](https://spot.insure/compare/risklytics-vs-travelers)
- [Risklytics vs USI](https://spot.insure/compare/risklytics-vs-usi)
- [Risklytics vs Vouch Insurance](https://spot.insure/compare/risklytics-vs-vouch)
- [Risklytics vs WithCoverage Insurance](https://spot.insure/compare/risklytics-vs-withcoverage)

## Sources

### [Embroker Official Website](https://www.embroker.com/)

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15.
7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15.
9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15.
10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15.
12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15.
14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15.
15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15.
19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15.
21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15.
22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15.
23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15.
24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15.
25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15.
26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15.

### [Risklytics Official Website](https://www.risklytics.ai/)

27. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
28. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
29. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
30. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
31. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
32. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
33. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
34. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
35. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
36. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
37. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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-risklytics.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)