What Are the Key Differences Between Embroker and TechInsurance Tech E&O Insurance?
One Blended Policy vs Two Policies Sold Together
Embroker sells Tech E&O and cyber as a single blended policy, with broker-program limits up to $5 million and named sublimits. TechInsurance bundles two policies, E&O and cyber liability, for software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms. Choose Embroker if you want one policy with a published maximum and the option to add excess; choose TechInsurance if you’re a small IT firm that wants a low published price point. [4] [3] [8]
Excess Available vs Not Described
Embroker offers excess Tech E&O/Cyber, though it won’t sit above an Embroker primary policy, so it’s for adding limits over another insurer’s policy. TechInsurance describes no excess product for this line. [4] [8]
Conflicting IP Terms vs an IP Add-On
TechInsurance says its standard bundle doesn’t include intellectual-property or copyright disputes, which need an add-on, and reports a median of about $67 a month, roughly $807 a year. Embroker’s pages conflict: its retail page lists copyright and IP infringement as excluded, while its broker-program page advertises software-code infringement as included. [8] [4] [3]
What Should You Confirm in Embroker and TechInsurance Tech E&O Insurance Quotes?
- Ask TechInsurance how limits apply on each of the two policies. [8]
- Get IP treatment in writing from both, and ask Embroker which channel’s form you’re buying. [8] [4] [3]
- Treat TechInsurance’s $67 median as a benchmark, not your price; compare actual quotes. [8] [3]
- Ask both which insurer issues the policy; neither names one. [3] [8]