Embroker vs TechInsurance: How Do They Compare for Cyber Insurance?

Embroker lists network, privacy, extortion and data recovery cover and quotes online in under 10 minutes; TechInsurance reports a median of $129 a month and lists what cyber excludes.

TechInsurance says its cyber liability policyholders pay a median of $129 a month, with a certificate typically available the same day you buy. Embroker offers a quote request in under 10 minutes and does not publish a typical premium. ^2,¹

What Are the Key Differences Between Embroker and TechInsurance Cyber Insurance?

A Median Price and Same-Day Certificate Versus a Timed Request With No Price

TechInsurance says policyholders pay a median of $129 per month, or about $1,552 a year, and that a certificate is typically available the same day you buy after a short online application. Embroker says you can request a quote in under 10 minutes but does not publish a median premium or a certificate timeline. You can budget from TechInsurance's figure. You cannot budget from Embroker's page. Choose TechInsurance if you want a published median price and a same-day certificate; choose Embroker if you want a standalone cyber form with itemized breach-response costs and a sub-10-minute quote request. ² ¹

Often Bundled With Tech E&O Versus Standalone Cyber

TechInsurance describes cyber as often bundled with technology errors and omissions in a combined tech E&O package, and returns quotes from multiple carriers. Embroker sells a standalone cyber policy and warns that E&O is not a substitute even with a technology rider. If you need both, ask TechInsurance whether the package is what you are buying. If you only need cyber, Embroker's standalone framing matches that. ² ¹

Exclusions TechInsurance Names

TechInsurance says cyber does not cover professional negligence unrelated to a breach, physical damage to devices, or data loss from physical damage to hardware. Embroker's page does not publish that exclusion list. Ask whether those gaps appear on either form. ² ¹

What Should You Confirm in Embroker and TechInsurance Cyber Insurance Quotes?

Ask TechInsurance which carrier quoted you and what deductible sits behind the $129 median. ²
Ask Embroker to name the insurer, limit and deductible. ¹
Ask TechInsurance whether cyber is standalone or packaged with tech E&O. ²

Embroker vs TechInsurance Cyber Insurance Compared

Embroker vs TechInsurance: Cyber Insurance: documented features by provider

Criteria	Embroker Cyber Insurance	TechInsurance Cyber Liability 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. ¹Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business.	TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ²Company-reported. Who needs cyber liability insurance section of the product page.
How to Apply	Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ¹Company-reported. Product-page calls to action; no quote was requested during this research.	You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ²Company-reported. Cyber liability product page application and certificate sections.
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. ¹Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. 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. ¹Company-reported. Product-page breach-response cost list. 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. ¹Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. 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). ¹Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.	TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ²Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ²Company-reported. What isn't covered by cyber liability insurance section of the product page.
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. ¹Company-reported. Product-page description; not a statement about the issuing insurer for this line.	TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ²Company-reported. Cyber liability product page.