--- title: "Embroker Tech E&O Insurance" description: "Embroker sells Tech E&O/cyber insurance as a single policy directly to technology companies and through appointed brokers." canonical: "https://thegeneralaverage.com/insurance-providers/embroker/technology-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "embroker" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/embroker/technology-errors-omissions) ## Agent Guide **What this page is:** What Embroker Tech E&O Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Embroker Tech E&O Insurance specifically. For the general coverage explainer use /coverage/technology-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does Embroker Tech E&O Insurance offer this coverage? - What does Embroker Tech E&O Insurance cover and exclude? - Who is Embroker Tech E&O Insurance designed for? **Key facts:** - Provider slug `embroker`; coverage line `technology-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/embroker) — parent: provider profile # What Does Tech E&O Insurance from Embroker Cover? Product: Embroker Technology Errors and Omissions / Cyber Insurance. Provider: Embroker. Coverage line: Tech E&O Insurance. ## Quick Answer Embroker sells Tech E&O/cyber insurance as a single policy directly to technology companies and through appointed brokers. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") ## Embroker Tech E&O Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported; Conflicting sources | 2 | | Limits and Retentions | Company-reported | 2 | | How to Apply | Company-reported | 1 | ## What Is Embroker’s Role in Tech E&O Insurance? - 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail and broker-facing page descriptions; not a statement about the issuing insurer.) ## Who Is Embroker Tech E&O Insurance 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. [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.) ## What Coverage Features Does Embroker Tech E&O Insurance Include? - 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. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: Retail product-page What's covered section; the issued policy and declarations control.) ## What Limits and Retentions Does Embroker Tech E&O Insurance Have? - 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). [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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.) ## How Do You Apply for Embroker Tech E&O Insurance? - Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.) ## What We Couldn’t Find About Embroker Tech E&O Insurance The reviewed sources do not settle these. Confirm them with Embroker or a broker before relying on them. - **Coverage Features (Conflicting sources):** Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. [1](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [2](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Scope: Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote.) ## How Does Embroker Compare With Other Tech E&O Insurance Providers? - [Embroker vs AIG](https://thegeneralaverage.com/compare/aig-vs-embroker) - [Embroker vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-embroker) - [Embroker vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-embroker) - [Embroker vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-embroker) - [Embroker vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-embroker) - [Embroker vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-embroker) ## Other Coverage Lines From Embroker - [Embroker Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/embroker/business-owners-policy) - [Embroker Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-auto) - [Embroker Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-property) - [Embroker Crime Insurance](https://thegeneralaverage.com/insurance-providers/embroker/crime) - [Embroker Cyber Insurance](https://thegeneralaverage.com/insurance-providers/embroker/cyber) - [Embroker D&O Insurance](https://thegeneralaverage.com/insurance-providers/embroker/directors-officers) - [Embroker Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/employment-practices) - [Embroker Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/fiduciary) - [Embroker General Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/general-liability) - [Embroker Key Person Insurance](https://thegeneralaverage.com/insurance-providers/embroker/key-person) - [Embroker Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/management-liability) - [Embroker Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/product-liability) - [Embroker Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/embroker/professional-errors-omissions) - [Embroker Surety Bonds](https://thegeneralaverage.com/insurance-providers/embroker/surety-bonds) - [Embroker Venture Capital Asset Protection Insurance](https://thegeneralaverage.com/insurance-providers/embroker/venture-capital-asset-protection) - [Embroker Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/embroker/workers-compensation) ## Rankings That Include Embroker - [Best Tech E&O Insurance for SaaS Companies](https://thegeneralaverage.com/best/technology-errors-omissions/saas-companies) ## Related Reading - [Embroker Profile](https://thegeneralaverage.com/insurance-providers/embroker) - [Embroker Reliability](https://thegeneralaverage.com/insurance-providers/embroker/reliability) - [Embroker Alternatives](https://thegeneralaverage.com/insurance-providers/embroker/alternatives) - [Coverage Guide: Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Sources for Embroker Tech E&O Insurance 1. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23. 2. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23. ## How to Cite This Page Embroker Tech E&O Insurance: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/embroker/technology-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/embroker/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)