Frequently asked questions (FAQ)

Embroker is an intelligent insurance platform that makes it easy for businesses to get tailored insurance at the best price.

We provide insurance coverage solutions and expert risk-management consultation to a wide range of business types and sizes. We are licensed in all 50 U.S. states and the District of Columbia.

To proceed, you’ll need to provide a physical address (not a P.O. box, mailing address, or your registered agent’s address). If the company is fully remote and you don’t have a physical location, please enter the CEO’s or company founder’s address.

When you’re filling out Embroker’s application, you can simply type in a few keywords to describe your business — we’ll automatically populate some NAICS code options for you in the dropdown menu. If you can’t find an exact match, pick the category that best describes what you do.

You can also look up your NAICS code here.

No problem! You can estimate the revenue for the coming year. If you don’t expect your product or service to hit the market, you can enter $0.

A retention is similar to a deductible. It’s the amount of money you have to pay out-of-pocket for a covered claim before your insurer starts paying. Detailed receipts and records are required to prove these amounts to the insurer, so document everything.

To learn about how to report a claim, first, check the policy for specific reporting contact information. If you have a claim for a proprietary Embroker product, such as the Embroker Start Up Package you can visit the claims page in your Embroker account and report instantly.

If you’re experiencing a Cyber incident, such as denial of service, ransomware attack, or network security compromise, your Cyber policy likely has a specific list of “crisis responders” who are trained to support you in real time. Please contact them first.

If you are experiencing a cyber-related threat event, such as denial of service, cyber extortion, ransomware, ransom, hostage, or other highly delicate situation, please call the support number/hotline listed on your policy for the fastest assistance.  

If the matter is not an active cyber-related threat event, you can report it to the insurer directly — consult your policy for those contact details. At minimum, you’ll need to have the following information handy:

• The policy number
• The full name of the key contact at your company to manage through the claim(s) — this will be the “Claims Contact Person”
• Claims Contact Person’s email and phone number
• Description of events, such as the names of parties involved/claimant name, the type of loss, key dates/times of circumstances/occurrences, and other details. You should also let us know if there’s a demand or a lawsuit.

You should file the claim as soon as possible. You will be able to add and update information later. For now, please submit any information you do have available via the claims email address or claims reporting inks provided. Or, call the claims reporting phone number listed on the policy.

Every insurance policy has a section describing claims and their reporting. You can view and download policies in your Embroker account and then search those files for the words “Claim” “Report,” “Notice,” or similar terms. Usually within the first few or the last few pages, there’s also a “Claim Contact” or “Report To” page that may contain other helpful information. 

Time varies depending on the type of the loss, coverage available, and how long it takes to investigate and manage each claim. While we cannot offer a specific time frame, most state laws require that Claims Professionals respond within defined time frames after a claim is reported, and provide regular updates to the Claims Contact Person as the law requires.

It’s possible. A variety of factors — including your claim history, risk profile, exposures, and type of insurance — make up your insurance premium and coverage terms. If it appears that your premium or coverage terms will change as a result of a claim, many, but not all, types of policies/insurers are required to give you notice that change is coming. Many insurers are not required to offer renewal terms automatically, and so the earlier you submit your application, the more time you will have to plan for any impact to your renewal.

After all the facts about the loss are reviewed, and it is determined that the loss is covered by the insurance policy, the assigned Claims Professional will let the Claims Contact Person know about next steps in the process, including the coordination of any applicable payment(s). 

Please understand that all claims are adjusted on their merits and in accordance and compliance with the policy’s terms and conditions.

Electronic payment is preferred. To electronically pay your invoice(s), from your account, click on the “Payments” tab to the left of the FAQ tab. You’ll see your open invoices there. Select the invoices you’d like to pay and your preferred payment method. Click the button to the right which will take you to Embroker’s electronic payment and premium financing vendor, Ascend. Ascend will guide you through your payment, and before anything is charged, you’ll see their fees as “transaction fees” before the total payment recap.

To help you plan out your costs, transaction fees charged are:

Credit card: 2.9% plus $0.30 per transaction

ACH: 0.8% up to $5 maximum fee per transaction

Wire transfer: No additional fees

If you choose to finance your premium, terms of that financing agreement will be provided and any finance (APR) or other fees will be disclosed before you sign the Premium Finance Agreement. Please read the Agreement and its terms carefully. Note: Only authorized representatives of your Company are permitted to sign Premium Finance Agreements.  

For all payment options, Embroker’s Terms apply.

Yes, premium financing may be available. When you click to pay electronically, one option is to elect premium financing via Ascend. This allows you to pay over time in installments. Premium financing is similar to a short term loan. There is a down payment, installment schedule, annual percentage rates, and other fees that may apply. You can view the financing terms online, get a copy of the premium finance agreement, pay the first deposit, and set up your recurring installment payments all in one place.

Note that certain Services, policy transactions or invoices may not be offered a financing or other installment option, in which case, such  amounts due must be paid in full.

You must review all terms and conditions carefully as late payments or non-payments could result in policy cancellation or an interruption of Services.

All invoices are due immediately upon receipt. Failure to remit payment promptly may result in cancellation, refusal to issue a policy, or other action by the insurer. 

Certain types of insurance policies and Services require payment at binding. Until paid, Services or features of the website may be restricted.

Thank you in advance for your prompt payment.

If you forget your password — or you haven’t created one yet — you can issue a password reset at app.embroker.com/recover-password.

Notifications help you stay on top of activity within your account. While you cannot opt out of emails related to our Services or policies we handle, we can help minimize other emails that you might not want to receive such as emails about blog updates, invitations to events, or other marketing communications.

If you just purchased coverage directly from Embroker for the first time online, your PDF policy will automatically be added to your Policies page within your dashboard once the invoice for that policy has been paid.  If you chose to finance the policy, you should see it shortly after the down payment has been applied.

If you have already paid for or financed your policy, the PDF of the policy and any endorsements, notices or other important documents can be found on your Policies page – click into the tile and scroll to the bottom of the page to preview and download documents.

A certificate of insurance (COI) summarizes the coverage details of your business insurance. It includes the most important, basic information related to your coverage, such as the policy’s expiration date and effective date, who is covered by the policy, the type of coverage it is (general liability insurance, property insurance, etc.), and your policy’s limits.

If you have purchased a policy with Embroker for the first time, after the policy has been paid, or the down payment for a financed policy has been received, you will have access to create a COI under the Certificates tab within your account dashboard.

If you have already paid or are up-to-date with the financed policy’s installments, you can also create a COI as outlined above.  

Simply follow the prompts to select the coverages to show, Certificate Holder and input other key details. Embroker does not provide “blank” certificates – all COIs must have the Certificate Holder’s name, address and email contact information entered prior to issuance.

Please note that only policies where Embroker is the broker/agent of record will be available for this feature. If you do not have a policy with Embroker, you’ll need to apply for coverage and purchase a policy before you can receive a certificate of insurance, or first have the insurer recognize Embroker as the broker/agent of record on your existing policy.

Any custom language needs to be reviewed against the policy before being added to a certificate — that’s because certificates can only be processed in accordance with issued policy terms and conditions. If the language that you’re requesting isn’t contemplated in the issued policy, you’ll need to request an endorsement, which is a change to your original policy. Until any endorsements are issued, that custom language cannot be permitted on the certificate.

We extract data from the PDF you upload, and create a new digital version that’s much easier to view. For most coverages, we’ll create a snapshot summary of your policy with key features right at your fingertips — and you’ll have a searchable PDF to find detailed language.

When you upload your policy to your Embroker account, we turn it into a clean digital version which you can access at any time from the Policies page in your dashboard. Having access to these paperless policies also lets you easily see what you’re covered for, without the hassle of having to sift through policy documents.

Adding team members is the most secure and convenient way to share access to your company’s insurance coverages. To add a team member, log into your Embroker account and click on the “Edit Team Settings” option from the bottom left navigation near your company name/profile. Invite new team members using their email address, separating each one with a comma.

Please note: Invitations expire after 14 days and invited team members cannot invite other team members. All team members can see all of the information in the account, so it’s your responsibility to limit any access.

Please email us at serviceteam@embroker.com and request the change.

Yes, here’s how: Log into your Embroker account and click on the “Add a New Company” option from the bottom left navigation near your company name/profile. Then follow the prompts to add the new company. To switch to a different company profile within your account, click the “Switch Company” button.

Please note: You can only see one company’s information at a time. Be sure to double check the lower left corner of your dashboard screen when you log in to be sure that you’ve selected the correct company.