Embroker vs Hub International: Technology E&O Insurance

Embroker offers a direct online quote for blended Tech E&O/Cyber, and its broker program targets private tech firms under $300 million in revenue. HUB International sends you to a broker for a customized policy, with no online quote flow described.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Embroker lets tech companies buy a blended Tech E&O and cyber policy online, covering data breaches, software defects and delayed launches, with limits up to $5 million. HUB is a broker that places E&O through its technology practice, with prior-acts and tail options, but no online quote or published limits.

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

Blended Online Policy vs a Broker's E&O Practice

Embroker sells Tech E&O/Cyber as one blended policy, quoted online or through appointed brokers. HUB places technology E&O through its general E&O practice and its technology-industry practice, and sends you to a broker rather than an online quote. Neither names the insurer. Choose Embroker if you're a tech company that wants cyber and E&O together and a quote online; choose HUB if you're switching insurers and need prior-acts cover back to your old retroactive date, or want a broker to tailor the policy. [4] [3] [6] [7]

Tech-Specific Perils vs Retroactive Structure

Embroker's retail list covers data breaches, cyber theft, professional negligence from product or tech errors, software or hardware defects, breach of contract and losses from a delayed product launch. HUB's E&O page covers defense, judgments, settlements and fines from misrepresentation, breach of professional services, wrongful practices and misleading advice. It says policies can include prior-acts cover back to a retroactive date and tail cover (extra time to report claims after the policy ends), but gives no tech-specific examples. [4] [6]

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

  • Ask HUB whether you're getting a combined Tech E&O and cyber form or a general E&O policy, and whether prior-acts and tail cover are included. [6] [4]
  • If you already have Embroker primary cover, don't plan to add Embroker excess on top; it won't sit above its own primary. [4]
  • Ask Embroker for specimen wording on IP; its retail and broker pages describe IP differently. [4] [3]
  • Get dollar limits from HUB. [6]

Areas of coverage

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 ↗

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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
    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

  3. 03
    Embroker Tech E&O / Cyber – EMB Access

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

  4. 04
    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

  5. 05
    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

  6. 06
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  7. 07
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  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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