Embroker vs The Hartford Management Liability Insurance

Embroker designed EMIS as its own bundled management liability product, sold either as a bundle or as individual coverages, and distributes it directly to founders and finance leaders as well as through its broker network via Embroker Access. ⁴Company-reported. August 2026 launch announcement; company description of the product structure.

The Hartford's Private Choice Premier is a management-liability package bundling five coverages: directors and officers (D&O), employment practices liability (EPL), fiduciary liability, crime, and kidnap and ransom/extortion. Certain coverages can also be added to a Business Owner's Policy. ⁸Company-reported. Management liability product page as read 2026-09-23.

Embroker names Everspan Indemnity Insurance Company (AM Best: A- Excellent) as the underwriter of EMIS, backed by what Embroker describes as a coalition of A-rated reinsurers it does not name. ⁴Company-reported. Launch announcement's 'About Embroker' section; this is a company statement, not an independently verified filing or program agreement.

Not described in the reviewed sources.

Embroker says EMIS is open to a broader set of private companies than its two prior management liability products, extending beyond technology into professional services, manufacturing, construction and wholesale trade, and covering companies from pre-revenue startups to established businesses. ⁴Company-reported. Launch announcement 'What's changing' section; the Tech E&O/Cyber component of the bundle is limited to eligible technology companies.

The Hartford offers management-liability coverage to nonprofit organizations (social service agencies, associations, museums, foundations), publicly traded companies, and privately-held companies, plus a separate financial-institutions track and a general-partners track for limited partnerships. ⁸Company-reported. Management liability product page as read 2026-09-23.

Embroker bundles four coverages into one EMIS application: directors and officers liability, employment practices liability, fiduciary liability, and technology errors and omissions/cyber liability for eligible technology companies, and lets buyers select individual coverages or the full bundle. ⁴Company-reported. Launch announcement coverage list; the issued policy and declarations control, and this is the bundle structure, not standalone-line policy wording.

Embroker says EMIS replaces its two previous management liability products for new business; existing policyholders on the legacy products are not required to switch and can keep renewing them, but the legacy products are no longer sold to new customers. ⁴Company-reported. Launch announcement transition rules as of the announcement date; not a renewal guarantee for any individual policyholder.

The Hartford offers a Premier Excess policy providing streamlined excess liability coverage above its management-liability limits for risks across all industries. ⁸Company-reported. Management liability product page as read 2026-09-23. General description; the issued policy controls.

Embroker says EMIS uses a single digital application and underwriting flow covering all four bundled coverages, replacing a multi-application process it says previously took days or weeks, and that applicants may get an underwriting response in the same session. ⁴Company-reported. Launch announcement description of the application flow; no application was submitted during this research, and actual turnaround depends on the specific submission.

The Hartford says management liability can be added to a Business Owner's Policy quote or purchased by finding a local agent; the page does not offer a self-serve online quote-and-bind flow for this package. ⁸Company-reported. Management liability product page as read 2026-09-23.