Embroker vs TechInsurance: How Do They Compare for Tech E&O Insurance?

TechInsurance publishes a median of $67 a month for its E&O and cyber bundle. Embroker publishes limits up to $5 million, with sub-limits of $1 million for reputational harm and $500,000 for social engineering.

Embroker blends Tech E&O and cyber into one policy, with broker-program limits up to $5 million and an excess option. TechInsurance bundles separate E&O and cyber policies for IT companies, reports a median of about $67 a month, and says IP disputes need an add-on. ^1,^2,³

What Are the Key Differences Between Embroker and TechInsurance Tech E&O Insurance?

One Blended Policy vs Two Policies Sold Together

Embroker sells Tech E&O and cyber as a single blended policy, with broker-program limits up to $5 million and named sublimits. TechInsurance bundles two policies, E&O and cyber liability, for software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms. Choose Embroker if you want one policy with a published maximum and the option to add excess; choose TechInsurance if you’re a small IT firm that wants a low published price point. ¹ ² ³

Excess Available vs Not Described

Embroker offers excess Tech E&O/Cyber, though it won’t sit above an Embroker primary policy, so it’s for adding limits over another insurer’s policy. TechInsurance describes no excess product for this line. ¹ ³

Conflicting IP Terms vs an IP Add-On

TechInsurance says its standard bundle doesn’t include intellectual-property or copyright disputes, which need an add-on, and reports a median of about $67 a month, roughly $807 a year. Embroker’s pages conflict: its retail page lists copyright and IP infringement as excluded, while its broker-program page advertises software-code infringement as included. ³ ¹ ²

What Should You Confirm in Embroker and TechInsurance Tech E&O Insurance Quotes?

Ask TechInsurance how limits apply on each of the two policies. ³
Get IP treatment in writing from both, and ask Embroker which channel’s form you’re buying. ³ ¹ ²
Treat TechInsurance’s $67 median as a benchmark, not your price; compare actual quotes. ³ ²
Ask both which insurer issues the policy; neither names one. ² ³

Embroker vs TechInsurance Tech E&O Insurance Compared

Embroker vs TechInsurance: Tech E&O Insurance: documented features by provider

Criteria	Embroker Technology Errors and Omissions / Cyber Insurance	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance
Limits and Retentions	Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ²Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ¹Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.	TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ³Company-reported. Tech E&O 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'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.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ³Company-reported. Tech E&O product page, Technology professionals we insure section.
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.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ³Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ³Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ³Company-reported. Tech E&O product page.