Find answers to the most frequently asked questions about insurance. We have grouped them into topics to make it easier to find what you’re looking for:


  • About Embroker

  • Policies

  • Purchasing Coverage

  • Joining Embroker

  • Account Management

  • Safety and Security

  • Claims

About Embroker

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

All of our policies are backed by a panel of eight A (Excellent) and A+ (Superior) AM Best-rated reinsurance companies. AM Best’s rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

Embroker is powered by an experienced and stellar team of insurance brokers and insurance industry executives, software engineers, product designers, and marketers. We were founded in 2015 by our CEO, Matt Miller. Learn more about us and how we’re making insurance radically simple.

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


Fiduciary Liability protects the company and employees from claims arising out mismanagement of Employee Benefit plans such as a 401(k).

Common types of EPL claims are: Wrongful termination discrimination and sexual harassment.

Employment Practices Liability provides coverage for the company and employees for claims brought against them alleging some type of violation of their legal rights as employees.

They typically fall into four categories:

  • Claims brought by shareholders
  • Claims brought by customers
  • Claims brought by competitors
  • Regulatory investigations

D&O is intended to cover the directors and officers of a company from claims brought by third parties alleging financial injury due to the breach of fiduciary duty, misrepresentations or errors & omissions made by the directors and officers of the company.

Yes, our policy covers all past, present and future directors and officers of the company automatically without having to specifically name them.

A retention is similar to a deductible. However, with a retention your company is responsible for the retention amount and the insurance carrier pays up to the full limit of insurance for any covered claim.

The insurance carrier is a coalition of A-rated reinsurers, including eight A (Excellent) and A+ (Superior) AM Best-rated reinsurance companies. AM Best’s rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

Insurance Services

Yes, and the Embroker ONE single application experience makes it radically simple to get started. Several tailored insurance products can be quoted and purchased from your account after answering some questions about your business. To find out more about coverages we offer digitally, or other insurance policies that are available, visit our coverage page.

You can apply for most of our digitally-enabled insurance policies and packages for your business in minutes. We also offer bespoke protection services via our in-house brokers where the amount of time to get covered depends on the complexity of your business and coverage needs.

Embroker has published a bunch of great resources to help you on your insurance buying journey. Check out the Embroker Blog for articles on coverage, guidance on insurance costs, and what you’ll need to get a quote.

You can also connect with a broker at any time to get help identifying your coverage gaps.

You can pay in the “Payments” section of your Embroker account. You’ll find your open invoice(s) summarized there, and a link to payment options.

You can pay your invoices electronically from within your Embroker account. Just log in, head over to the “Payments” area in your dashboard, and select which invoice(s) you’d like to pay. 

From there, you can choose the credit card or ACH option, or you can set up financing to pay your premium in installments. 

You can also pay by check. Simply download your invoice and follow the remittance directions in the FAQ tab of the Payments dashboard. 

Transaction fees may apply and will be shown prior to payment. Embroker’s Terms apply.

Yes. When you click to pay electronically, premium financing via Ascend is an available option. This allows you to pay over time in monthly installments. 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. 

Please review the terms and conditions carefully, as 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.

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. 

Once you have engaged another agent or broker, Embroker is limited in the Services we can deliver. Your new broker or agent will be responsible for helping you with all policy transactions, including any coverage changes or renewals. 

For a time, you’ll be able to view policies, previous applications, or other documents that were in your account prior to departing. You will also be able to see past payment information. However, you will not be able to issue certificates of insurance or make changes to your policies directly from your account. If your new broker or agent isn’t an Embroker Access partner, you also may not be able to renew any Embroker proprietary insurance products.  

Please consider any changes carefully and please contact us before considering a change. 

We’re breaking new ground in an exciting time for the insurance industry and would love to hear your suggestions. Please send an email to hello@embroker.com.

Joining Embroker

We become your broker when you transfer your policies to us and/or purchase coverage. Please note: Each insurance carrier processes transfers differently. It may take only a few days, or possibly up to the time of renewal, before Embroker can act on your behalf with the current insurance carrier.

We can provide more details on what to expect as well as discuss with you details about your policies, specific coverages, a strategy for your renewal, and any potential gaps in coverage.

When you make Embroker your broker, you can easily share certificates, schedule renewals, file claims, get a licensed expert to review potential gaps in your coverage, and more — with the convenience of a secure online platform.

Yes, you are welcome to start an account, upload your policies, and take advantage of basic coverage comparison data. To get the most out of Embroker, we recommend you make us your broker by transferring your policies to us and/or purchasing coverage.

If you purchase insurance through us, we get paid a commission by the insurance carrier. To learn more, read our full compensation disclosure.

Account Management

Notifications help you stay on top of activity within your account. To control notifications, please contact us and we’ll help you turn them on or off.

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 navigate to the Team settings page from the upper right navigation near your company name. Invite new team members using their email address, separating each one with a comma.

Please note: Invitations expire after 14 days. Also, invited team members cannot invite other team members. You can contact us to have this changed.

Yes, of course! You can click “Download Coverage Details” on the quote screen of each specific coverage. Please reach out through our chat if you are having issues finding the download feature.

Additionally, insurance language can be confusing so please reach out to our team to set up a call to walk through the coverage if you have any questions.

We extract data from the PDF and create a new digital version that’s much easier to view. Within 24 hours of uploading, we’ll create a snapshot summary of your policy. A full-text version of your policy is created within 48 hours of uploading.

You may already have access to a PDF version of your policy from your current broker. If not, you can scan your paper policy and upload it from your Policies page. Alternatively, you can upload a PDF version of your coverage certificate or binder. If you purchase coverage directly from us, your PDF policy will be automatically added to your Policies page.

It’s easy: You can start by uploading PDF versions of your policies on your Policies page. If you’re having issues, you can click the Support link to have a broker help you.

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 your Policies page. 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.

Please contact your personal adviser to remove a company from your account.

Yes, here’s how: Go to your business profile, click “Settings”, then follow prompts to add the new company. To switch to a different company profile within your account, click the “Switch Company” button. Please note: your Embroker account is limited to one login email address, regardless of how many companies you manage.

Safety and Security

We care deeply about your privacy and use industry-standard security measures, which includes Amazon S3 encryption, to keep your data safe and secure. Your data is never shared with a third-party, and is only used to help us make smarter and more cost-effective decisions about your coverage.


To learn about how to report a claim visit our claims page.

1. Name and contact information of everyone involved in the loss;
2. Your policy information;
3. The type of loss you are reporting (auto, property, workers compensation, etc.);
4. When and how the loss occurred;
5. Description of any injuries or damages.

To make a claim, visit our Claims page.

You should file your claim as soon as possible. You will be able to add and update your information later.

You will receive confirmation that you’ve filed a claim with Embroker. And we will let you know if further information is needed. You will receive real-time updates about your claim via our Embroker portal. Commercial Auto or Commercial Property claims usually require a representative to examine the damage in person.

Time varies depending on the type of the loss, and how long it takes to investigate your claim.

After all the facts about the loss are reviewed, and it is determined that your loss is covered by your insurance policy, a check can be issued to cover damages as estimated by your claims professional.
Damaged property and vehicles usually require an in-person inspection. A check can be issued immediately or soon after the inspection.

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