Embroker vs Liberty Mutual: Technology E&O Insurance

Embroker offers a direct online quote for its Tech E&O/Cyber policy, with broker-program limits up to $5 million. Liberty Mutual's Liberty Tech Resolution, also a cyber and tech E&O blend, is bought through a broker or agent.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

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

Embroker publishes limits and sublimits

Embroker advertises up to $5 million for most insuring agreements, with $1 million sublimits for reputational harm and telecommunications fraud and $500,000 for social engineering, funds transfer fraud, and bricking. Liberty Mutual describes Liberty Tech Resolution as blended cyber and Tech E&O but does not list limits in the reviewed claim. Compare sublimits with your likely loss scenarios instead of looking only at the top-line limit. [4] [6]

Embroker states technology eligibility boundaries

Embroker targets private, for-profit technology firms under $300 million in revenue, including fintech, AI, digital health, HR tech, and SaaS; it excludes crypto, blockchain, and cannabis businesses. Liberty Mutual describes a technology-company solution without comparable revenue or industry boundaries in the reviewed claim. Ask whether your business activities qualify before investing time in either submission. [3] [6]

Buyers can start online or through a broker

Embroker offers a direct online quote and also distributes through its Embroker Access broker portal. Liberty Mutual directs business buyers to an agent or broker. If you already work with a broker, ask whether they can access Embroker's broker program and compare it with Liberty Tech Resolution. [4] [6]

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

  • Ask Embroker whether MFA applies to your revenue tier, which sublimits are relevant, and whether excess can sit over your current carrier. [3]
  • Ask Liberty Mutual for the revenue and industry appetite, cyber and E&O limits, and any sublimits. [6]

Embroker's broker program offers up to $5 million for most agreements and targets private tech firms under $300 million in revenue; Liberty Mutual describes combined coverage without published limits.

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
    Cyber Insurance

    Liberty Mutual Business Insurance · Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services. · accessed 2026-09-29

  7. 07
    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

  8. 08
    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

  9. 09
    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

  10. 10
    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

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 ↗

Liberty Mutual

  • role: Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee.company-reportedSource ↗
  • eligibility: The commercial cyber page directs business buyers to a broker or agent. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee.company-reportedSource ↗
  • coverage: The company describes a blended cyber and Tech E&O solution for technology-company exposures. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee.company-reportedSource ↗
  • application: The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists.not-foundSource ↗

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