---
title: "Embroker vs TechInsurance: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-techinsurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-techinsurance"
provider-a: "embroker"
provider-b: "techinsurance"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and TechInsurance for Professional Liability (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 Professional Liability (E&O) Insurance questions about Embroker versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs TechInsurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Embroker or TechInsurance?
- What does Embroker or TechInsurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Embroker and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 publishes a median monthly premium for E&O; Embroker's professional liability page instead details deductible structure options.

## Embroker vs TechInsurance Professional Liability (E&O) Insurance Summary

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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes")

## 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") 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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes")

### 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes")

## 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Get the limit and retention on your quote from each; neither publishes figures publicly. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes")

## Embroker vs TechInsurance Professional Liability (E&O) Compared

| 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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). [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) |

## About Embroker and TechInsurance and Professional Liability (E&O)

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Embroker vs TechInsurance

- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Embroker Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/embroker/professional-errors-omissions)
- [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions)

## Sources for Embroker vs TechInsurance

### Sources About Embroker

1. [Professional Liability Insurance Coverage & Quotes](https://www.embroker.com/coverage/professional-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible?. Accessed 2026-09-23.

### Sources About TechInsurance

2. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). 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-techinsurance/professional-errors-omissions.md)
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- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)