Embroker vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?

Embroker offers an online quote for professional liability through its digital platform. TechInsurance says its E&O policyholders pay a median of $88 per month and names IT, software, cybersecurity and SaaS firms among its example buyers.

TechInsurance reports a median E&O premium of $88 per month from its own book; Embroker publishes no comparable price but offers aggregate-deductible and first-dollar-defense structures. ^2,¹

What Are the Key Differences Between Embroker and TechInsurance Professional Liability (E&O) Insurance?

Pricing Disclosure

Embroker's page describes deductible options but doesn't publish premium figures. ¹ TechInsurance instead publishes a company-reported median:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ²Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Policy Form

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends a retroactive date to cover past work. ² Embroker's page doesn't specify a claims-made or occurrence structure; it instead documents that a higher deductible generally lowers the premium and lets a buyer choose an aggregate or first-dollar-defense deductible. ¹

Who Each Targets

TechInsurance targets IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants, and notes coverage is sometimes required by state law or licensing boards. ² Embroker instead names accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals, while routing lawyers and doctors to specialized malpractice coverage instead. ¹

What Should You Confirm in Embroker and TechInsurance Professional Liability (E&O) Insurance Quotes?

Ask both companies to name the issuing insurer; neither's reviewed page names one. ¹ ²
Ask TechInsurance whether the published median premium reflects your specific industry and location, since it says price depends on those factors along with limits and claims history. ²
Get the limit and retention on your quote from each; neither publishes figures publicly. ¹ ²
If a licensing board requires E&O for your profession, confirm the Embroker policy actually satisfies that requirement, since its page doesn't mention licensing mandates. ¹

Embroker vs TechInsurance Professional Liability (E&O) Compared

Embroker vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Embroker Professional Liability Insurance	TechInsurance Errors and Omissions Insurance
Limits and Retentions	Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ¹Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.	TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ²Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Who It’s For	Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ²Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.
Coverage Features	Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ¹Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ²Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ²Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.
Role in This Line	Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ²Company-reported. Errors and omissions product page.