Innovative Insurance Solutions
Embroker is a full-service online brokerage that offers expert guidance, proprietary insurance products, and an intuitive platform for managing your coverage online.
Receive expert guidance from brokers with 10+ years of industry-specific experience.
Manage your applications, policies, renewals, claims, and COIs online and in one place.
A Complete Offer of Business Insurance Policies
Protect every facet of your business with coverage that’s tailored for your company. Easily purchase proprietary insurance products and policies from more than 50 leading carriers.
Standard Business Insurance Coverages
Protects your business against claims of property damage and bodily injury, covering your legal costs, associated medical costs, and eventual settlements.
- Third-party injuries
- Third-party property damage
- Libel and slander lawsuits
State-mandated insurance that covers claims from employee injuries, including medical expenses, death benefits, lost wages, rehabilitation and more.
- Employee medical bills
- Lost wages
- Physical therapy
Protects all property vital to the daily operation of the business, covering not only offices but also any other physical assets important to the company.
- Fires, explosions, storms
Protects your company against claims or lawsuits related to injury or property damage arising from defective products produced, distributed, or sold by your company.
- Design defects
- Manufacturing defects
- Failure to provide adequate warnings
Protects you, your employees, and any other hired drivers against financial responsibility in the case of a work-related accident involving injuries to people or property.
- Bodily injury
- Property damage
Embroker’s Digital Business Owner’s Policy
A business owner’s policy (BOP) combines protection for common property and liability risks in one policy package, offering general liability, commercial property, and business interruption insurance as a bundled product.
Backed by CNA Insurance®, our digital BOP can be purchased online in just minutes, offering broad coverage at a lower premium.
Business Insurance Coverages for Startups
Directors & Officers (D&O)
Protects the assets of your board of directors from lawsuits related to misuses of company funds, misrepresentations of company assets, breach of fiduciary duty, and more.
- Misuses of company funds
- Misrepresentations of company assets
- Breach of fiduciary duty
Professional Liability (E&O)
Protects your business from civil lawsuits related to negligence, common mistakes, malpractice, misrepresentation claims, and more.
- Bad advice
- Breach of contract
Covers both first and third-party financial losses resulting from data breaches and other cybercrimes that may compromise sensitive company and customer information.
- Civil lawsuits
- Notification costs
- Computer forensics
Employment Practices Liability (EPLI)
Provides coverage for claims made by employees alleging discrimination (based on sex, race, age, disability), wrongful termination, harassment, and more.
- Harassment and discrimination
- Failure to promote
- Wrongful termination
Protects both your business and employees from claims related to the mismanagement of benefit plans and the legal liability arising out of their roles as fiduciaries.
- Wrongful denial of benefits
- Improper advice or counsel
- Errors in plan administration
Embroker’s Management Liability Policy (D&O, EPLI)
While the Embroker Startup Program covers venture-funded startups, our Management Liability product enables just about every other type of business to quickly secure the right protection for their executives and company leaders.
The Embroker Venture Program
Venture Capital firms can partner with Embroker to ensure consistent coverage for all their portfolio companies. We offer marketing-leading coverage tailored for high-growth tech startups, providing partners with underwriting credits of up to 25%.
Specialized Business Insurance Coverages
Protect your business from losses resulting from crime-related issues such as petty theft, fraud, and burglary committed by both your employees and outside entities.
- Petty theft
Key Person Insurance
A life insurance policy that’s taken out on a critical employee whose death or disability would adversely affect the company’s finances and stability.
- Loss of profits
- Hiring and training replacements
Should the underlying insurance policy limits become exhausted, this policy kicks in to provide additional liability protection.
- Customer injury
- Product liability
- Reputational damage
A guarantee to a governmental agency stating that the hired contractors will perform their duties according to the contract signed.
- Breach of contract
- Incomplete work
- Quality of work
OCIPs and CCIPs
Wrap-up insurance programs provide general liability protection for not only the owners of construction projects but also the contractors and subcontractors that are involved in the project.
- General liability
- Professional liability
- Builder’s risk
Customized Health & Employee Benefits
We integrate with your HR system, digitize your enrollment, create benefits education materials tailored to your brand, and provide 24/7 access to benefits consultants.
Business Insurance Experts for Every Industry
Not sure what policies you need? Our expert brokers have years of experience finding the right coverage for businesses in a variety of both traditional and cutting-edge industries.
CPA firms, tax advisors, and even bookkeepers get hit frequently with claims. Tax laws are constantly changing and the expectation of the client is such that errors are not readily acceptable. A high-quality insurance program produced by a knowledgeable broker eases the burden of a malpractice claim.
Staying in compliance to maintain your license to operate, mitigating claims from customers, and transferring the financial risk of theft are just a handful of issues cannabis businesses face. It’s imperative to have an experienced broker on your side who understands the industry’s nuances and possible exposures.
No matter your experience level and how cautiously you run your construction business, unpredictable accidents are always a possibility in this high-risk industry. Transferring risk via insurance enables contractors to focus on growth without worrying that every possible misstep or unforeseen problem could lead to serious setbacks.
Restaurant owners and other hospitality professionals face a unique risk profile and the potential for property damage and liability lawsuits resulting from everyday operations is irregularly high. Finding the right coverage requires the guidance of brokers with deep insurance expertise and a genuine understanding of the industry.
Today’s legal landscape is incredibly complex and malpractice suits are only the tip of the iceberg when it comes to the risks legal professionals face. Attorneys and law firms need professional advice and assistance in order to make sure that their insurance coverage provides proper protection.
The real estate industry includes property managers, developers, and investors who face risks associated with construction, economic volatility, catastrophes, and employee injuries. As a real estate professional, you need to feel confident that the property you manage or own is protected with the right insurance coverage.
In the fast-paced world of technology, a company can move from concept to launch in weeks. In this environment, it’s imperative to have a risk management partner that understands the industry and is experienced in the exposures associated with your business’s innovations and rapid growth.
Nonprofits can face lawsuits from volunteers, donors, employees, and government regulators. Their leadership is also often a common target for litigation. Any organization that engages in counseling or vocational training has significant professional liability exposure. Proper coverage will cover legal costs or damage awards in such instances.
Malpractice Insurance for Modern Law Firms
Embroker’s Lawyers Professional Liability insurance is the industry’s first fully-digital legal malpractice product. Purchase market-leading coverage for your entire practice in just a few minutes.
Business Insurance Frequently Asked Questions
Not sure where to start? Embroker can help you understand the basics of business insurance, as well as advanced considerations. We’ll help you find the right coverage, no matter the type of business you run or the complexity of your needs.
How much does business insurance cost?
There are a variety of factors that go into determining how much your business is going to have to pay for insurance coverage. The size of your business, the industry you are in, your business’s location, revenue, the number of employees you have; all this and many other factors are taken into consideration when calculating premiums.
To learn more about the costs of business insurance, read this article: How Much Does Business Insurance Cost?
What does business insurance cover?
There is no one business insurance policy that you can purchase to provide you with coverage from all possible risks that your business may encounter. Most insurance policies provide some form of liability coverage, meaning that they will protect you if lawsuits are filed against your company claiming that your business is responsible in some way for injuries, damages, and losses they may have incurred.
To learn more about business coverage types and what policies are right for you, read this article: What Types of Business Insurance Does Your Company Need?
Why do I need business insurance and what policies do I need?
Businesses purchase insurance in order to mitigate risks that are always present in their daily activities. Knowing that insurance will provide coverage in the event of errors or accidents that could significantly affect your business’s bottom line allows you to place focus on growing your business and taking care of your employees and customers.
To learn more about how business insurance helps companies survive and enables sustainable growth, read this article: Does Your Business Need Insurance?