Berkshire Hathaway Specialty Insurance vs Embroker: Technology E&O Insurance

Embroker offers a direct online quote on a blended Tech E&O and cyber policy, and its broker program targets private tech companies under $300 million in revenue. Berkshire Hathaway Specialty Insurance lists Technology E&O as a distinct Professional First product.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Embroker Tech E&O Insurance?

Revenue and Industry Fit

Embroker’s broker program targets private, for-profit technology businesses under $300 million in revenue, excludes crypto, blockchain and cannabis, and requires multifactor authentication above $5 million in revenue. Berkshire Hathaway Specialty Insurance names software design, systems integration, training and IT staffing as target classes, while marking managed-service providers and some consulting as selective. A buyer should compare the revenue and activity screens before spending time on an application. [5] [3]

Policy Structure and Exclusions

Embroker describes one blended Tech E&O/Cyber policy and advertises up to $5 million for most agreements in its broker program. Berkshire Hathaway Specialty Insurance lists distinct Tech E&O and blended E&O/Cyber options, without a line limit in the overview. Embroker’s retail page and broker program also describe IP differently; obtain the applicable form and endorsements rather than assuming one wording across channels. [6] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Embroker Tech E&O Insurance Quotes?

  • Will the Embroker quote come through the retail or broker program, and which IP wording and sublimits apply to that channel? [5]
  • Which Berkshire Hathaway Specialty Insurance form—stand-alone Technology E&O or blended E&O/Cyber—fits your requested coverage, and what limit is available? [3]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.company-reportedSource ↗
  • eligibility: The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets.company-reportedSource ↗
  • eligibility: The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. U.S. selection qualification applies; no general eligibility inference.company-reportedSource ↗
  • services: The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.company-reportedSource ↗

Embroker

  • role: 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. Retail and broker-facing page descriptions; not a statement about the issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: 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. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite.company-reportedSource ↗
  • coverage: 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. Retail product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: 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. 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.conflictingSource ↗Source ↗
  • limits: 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). Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page.company-reportedSource ↗
  • limits: 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. 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.company-reportedSource ↗
  • application: 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. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.company-reportedSource ↗Source ↗

Embroker’s blended Tech E&O/Cyber program targets private technology companies under $300 million in revenue; Berkshire Hathaway Specialty Insurance names separate and blended options and class-specific appetite.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  5. 05
    Embroker Tech E&O / Cyber – EMB Access

    Embroker · Appetite; Coverage Highlights; Additional features · accessed 2026-09-23

  6. 06
    Tech E&O Insurance Quotes and Coverage

    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

  7. 07
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  11. 11
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

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