Embroker vs Relm: Technology E&O Insurance

Relm Insurance offers a Fintech E&O product addressing blockchain-related vulnerabilities, apart from its cyber product. Embroker blends Tech E&O and cyber in one policy, but its broker program excludes crypto and blockchain businesses.

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

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

Fintech and Blockchain Cover vs a Blended Policy That Excludes Them

Relm says standard Tech E&O is not always enough for fintech, and offers a distinct Fintech E&O product for blockchain-related vulnerabilities and heightened regulatory scrutiny. Embroker sells Tech E&O and cyber as one blended policy, directly or through appointed brokers, with limits up to $5 million, but its broker program excludes crypto, blockchain and cannabis businesses and requires revenue under $300 million. Choose Relm through your broker if you are a fintech or blockchain company; choose Embroker if you are a mainstream software company that wants E&O and cyber in one policy. [8] [4] [3]

Separate Lines vs One Form With Conflicting IP Terms

Relm markets Tech E&O as professional liability separate from cyber and says the two overlap but neither replaces the other, so you may need both. Embroker's retail pages exclude IP infringement, while its broker program advertises software-code infringement cover. If IP claims worry you, get Embroker's actual form before you buy. [8] [4] [3]

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

  • Ask Relm whether your quote is Tech E&O, cyber, both, or Fintech E&O. [8]
  • Get Embroker's IP wording on the proposed form. [4] [3]
  • Check Embroker's revenue and excluded-industry rules before applying. [3]
  • Compare Embroker's $5 million limit with the limit on Relm's quote. [3] [8]

Relm keeps Tech E&O separate from cyber and offers a Fintech E&O product for blockchain and regulatory exposure; Embroker sells one blended Tech E&O and cyber policy up to $5 million to tech firms under $300 million in revenue, but excludes crypto and blockchain businesses.

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
    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

  7. 07
    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

  8. 08
    Cyber and Technology Errors and Omissions

    Relm Insurance · What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? · accessed 2026-09-23

  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 ↗

Relm Insurance

  • role: Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.company-reportedSource ↗
  • coverage: Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for Tech E&O placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗

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