FAQ

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

Embroker is powered by an experienced, stellar team of insurance agents, brokers and industry executives, software engineers, product designers, and marketers. 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 in all 50 U.S. states and the District of Columbia.

We become your broker when you transfer your policies to us and/or purchase coverage. Please note: Each insurance carrier processes transfers differently, and not all policies can be transferred. 

If you’re ready to get tailored insurance for your business, email us at serviceteam@embroker.com. We can provide more details on what to expect, as well as review 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 even if you have insurance elsewhere. To get the most out of Embroker, we recommend you make us your broker by transferring your policies to us and/or purchasing coverage.

Creating an account is free, and if we’re your broker or agent, we’ll work with you to design a compensation structure that works for both of us. To learn more, read our full compensation disclosure.

To learn about how to report a claim, first, check your 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.

To report a claim, you’ll need to have the following information available:

1. The name and contact information of everyone involved in the matter
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. A description of any injuries or damages

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

You will receive confirmation that you’ve filed a claim. An adjuster will contact you and let you know if further information is needed. Note that certain claims, such as property or some auto claims, may require in-person damage examinations. Other matters may require interviews, investigations, or other information.

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.

The renewal process can vary, depending on the policy. For example, some policies will automatically renew through the insurance carrier, with no action required on your part. You’ll receive an email from us letting you know that the renewed policy document is available in your dashboard.

For other policies, you may need to fill out a renewal application. In these cases, you’ll receive an email from us letting you know that the application is available in your dashboard.

To renew, follow the simple steps below.

1. Log in to your Embroker Account.
2. You’ll see the policies that are available for renewal at the top of your Home page in your dashboard.
3. Click “Renew Policy” for the specific policy you are renewing.
4. Review the pre-filled application, and update any incorrect or missing information.
5. Click the “Submit” button to send it to us.

After submitting your renewal application, you’ll either get a quote, or someone from our team will reach out to get more information. Please note: If your submission is referred to an Underwriter, it will require some additional time for review.

Upon receiving a quote, you’ll have three more steps to get covered:

1. Review your quote proposal carefully.
2. Click the “Bind Coverage” button to agree to the Terms of the policy.
3. Choose to pay in total right away or set up a financing plan to pay in installments.

Response times vary based on the applicant’s risk profile and how quickly requested information can be submitted to the underwriters — please be sure to check your email, as we may have requested more information.

Typically, if underwriters receive requested information promptly, updates — including decisions — can be provided within hours to a few days.

Renewal policies take effect on their respective effective dates, so it’s important to review that information before you purchase any policy.

Non-Embroker policies are issued by their respective carriers and will be available on your dashboard 30-60 days following renewal (it could be much sooner). Digital policies should be available within a few hours of binding your coverage.

You can email us at serviceteam@embroker.com to discuss your options.

Your current LPL policy is written on a claims-made basis, where earlier policy terms have certain discounts applied and it takes several terms for the premium to reach maturity — this is called step-rating. If this is your first renewal, or you need a refresher about how it works, you can learn more about step-rating here.

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 specially tailored 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 Resource Hub 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.

Once you have engaged another agent or broker, Embroker is limited in the Services we can deliver. Your new broker or agent must aid you in all policy transactions, including any coverage changes or renewals. 

For a time, you will be able to view a policy, past 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 email us at serviceteam@embroker.com 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@www.embroker.com.

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.

Yes, of course! If you are purchasing coverage online with us, you’ll see a list of documents at the bottom of your quote page. To preview a policy, click on the specific specimen (sample) policy you want to download. Please reach out through our chat if you are having issues finding the download feature.

For coverage placements negotiated with the support of our licensed brokers, specimen policies are often included with the proposals — and you can always request copies of any forms before purchasing.

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.

If you purchase coverages directly from us, your PDF policy will automatically be added to your Policies page within your dashboard.

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, you can instantly create a COI under the Certificates tab within your dashboard.

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.

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.

It’s easy: You can start by uploading PDF versions of your policies on the Non-Embroker Policies page in your dashboard. If you’re having issues, you can click the Support link in the left navigation for assistance.

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.