Embroker - Complete Company Profile

Embroker is a Insurance company. Embroker is a business insurance company that provides industry-tailored commercial insurance to various industries, including startups, tech companies, law firms, and more. They offer a range of coverage options, including business owners policy, commercial crime insurance, cyber insurance, and more. Embroker aims to simplify the insurance process with custom quotes and hassle-free coverage. Embroker offers 10 products: Technology Errors and Omissions / Cyber Insurance, Professional Liability Insurance, Lawyers Professional Liability Insurance, General Liability Insurance, Employment Practices Liability Insurance, Cyber Insurance, Directors and Officers Insurance, Commercial Crime Insurance, Industry-Specific Business Insurance Packages, Business Owners Policy.

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Embroker cuts through insurance complexity with custom quotes in minutes and hassle-free coverage tailored to your industry.

Embroker is a business insurance company that provides industry-tailored commercial insurance to various industries, including startups, tech companies, law firms, and more. They offer a range of coverage options, including business owners policy, commercial crime insurance, cyber insurance, and more. Embroker aims to simplify the insurance process with custom quotes and hassle-free coverage.

"Insurance, tailored for your business."

About Embroker

Embroker is a Insurance company serving global markets. Embroker is a business insurance company that provides industry-tailored commercial insurance to various industries, including startups, tech companies, law firms, and more. They offer a range of coverage options, including business owners policy, commercial crime insurance, cyber insurance, and more. Embroker aims to simplify the insurance process with custom quotes and hassle-free coverage.

Company Details

Niche

Insurance

What Embroker Offers

10 products and services

Technology Errors and Omissions / Cyber Insurance

Technology Errors and Omissions / Cyber insurance (Tech E&O / Cyber) is a specialized coverage designed for tech-based companies to...

Cyber liability: Covers costs from data breaches, cyber theft, and cyber vandalism
Professional negligence: Covers losses for clients due to product mistakes or tech errors

Professional Liability Insurance

Professional Liability Insurance (also known as errors and omissions or malpractice insurance) protects businesses and professionals if they are sued...

Coverage for mistakes and oversights in professional services
Protection against accusations of negligence

Lawyers Professional Liability Insurance

The first-ever fully digital lawyers professional liability insurance policy — protect your practice from malpractice claims in minutes, not days.

Coverage for errors and misguided advice (mistakes, misrepresentation, improper counsel)
Coverage for professional negligence (failure to meet expected professional standards)

General Liability Insurance

General Liability insurance from Embroker covers legal costs, medical costs, and court settlements for claims alleging property damage or bodily...

Third-party bodily injuries: Covers medical costs resulting from an injury claim by another party
Third-party property damage: Pays for damages to someone else’s property if caused by your business

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) from Embroker provides coverage for businesses against costly claims alleging unfair or inappropriate treatment of...

Coverage for legal defense costs, settlements, and judgments due to poor employment practices
Protection against claims of retaliation following employee allegations

Cyber Insurance

Embroker's Cyber Insurance (also called cyber liability insurance) helps businesses cover both first- and third-party financial losses resulting from data...

Network security coverage (data breaches, malware, ransomware, business account/email compromise)
Data loss, recovery, and recreation

Directors and Officers Insurance

Directors and Officers (D&O) insurance protects the personal assets of a company's board of directors and officers from lawsuits related...

Three insuring agreements: Side A (individuals), Side B (company reimbursement), Side C (company entity coverage)
Coverage for settlements and legal defense costs

Commercial Crime Insurance

Commercial Crime insurance from Embroker covers losses due to crimes such as theft, fraud, and forgery committed by both employees...

Employee theft coverage (shoplifting, embezzlement, larceny)
Third-party theft coverage

Industry-Specific Business Insurance Packages

Embroker offers industry-specific business insurance packages that provide fast quotes, custom coverage, and comprehensive protection tailored to the unique risks...

Industry-specific insurance packages
Single application for multiple coverages

Business Owners Policy

Embroker's Business Owners Policy (BOP) is a bundled insurance package for small businesses, combining commercial property, general liability, and business...

Commercial property insurance: covers damage or theft of business property, equipment, or office contents
General liability insurance: covers third-party bodily injury and property damage claims

Company Information

Enriched company details and information

Insurance, tailored for your business.

Description

Embroker cuts through insurance complexity with custom quotes in minutes and hassle-free coverage tailored to your industry.

What They Do

Embroker provides tailored insurance solutions for various industries, focusing on fast quotes and custom coverage.

Who They Serve

Funded StartupsTech CompaniesLaw FirmsVC & PE FirmsFinancial ServicesConsultantsReal Estate AgentsOther

Key Value Propositions

Fast quotes
Custom coverage
Complete peace of mind
Industry-specific insurance packages
Personalized touch of a broker with technology speed

Target Customers

Startups
Tech Companies
Law Firms
Venture Capital and Private Equity Firms
Financial Services Professionals
Consultants
Real Estate Agents
Small Businesses

Industries Served

Funded Startups
Tech Companies
Law Firms
VC & PE Firms
Financial Services
Consultants
Real Estate Agents
Other

API Information

Homepage Full Text

Fast quotes. Custom coverage. Complete peace of mind.

Testimonials

"Embroker was the one insurer we found that was efficient, competitive, and worked really well for us. And unlike other insurers, it was clear that they were really interested in working with us. I am very pleased with my experience dealing with Embroker and its team."

Mr. Phil Layton - Founder, CEO/President & Chairman

"When it comes to insurance, I want to know who my insurance person is. I want to know that the insurance provider has looked at all available options and will contact me to tell me what is best for my organization and employees. That’s exactly what Embroker was able to do."

Karen Caldwell - Chief Financial Officer

Products & Offerings

Detailed information about Embroker's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Technology Errors and Omissions / Cyber Insurance

Tech E&O / Cyber insurance safeguards tech companies from costly lawsuits and financial or reputational losses resulting from technology liabilities and data-related risks. It is essential for businesses offering technology products or services, especially those handling sensitive data or operating in cutting-edge fields.

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Product Overview

Technology Errors and Omissions / Cyber insurance (Tech E&O / Cyber) is a specialized coverage designed for tech-based companies to protect against financial loss due to errors, omissions, and cyber events. It covers legal costs and settlements arising from product or service failures, data breaches, network failures, and other cyber-related incidents. Embroker offers tailored solutions for tech companies, making it easy to get the right coverage quickly through a digital platform.

Detailed Description

Tech E&O / Cyber insurance safeguards tech companies from costly lawsuits and financial or reputational losses resulting from technology liabilities and data-related risks. It is essential for businesses offering technology products or services, especially those handling sensitive data or operating in cutting-edge fields.

Key Features

  • Cyber liability: Covers costs from data breaches, cyber theft, and cyber vandalism
  • Professional negligence: Covers losses for clients due to product mistakes or tech errors
  • Defects and errors: Covers claims from defects in software or hardware
  • Contractual liability: Protects against lawsuits from unmet contractual obligations
  • Product launch delays: Covers losses from delayed tech product launches

Key Benefits

  • Comprehensive protection against technology liabilities and data-related risks
  • Covers claims of product mistakes and unmet contractual obligations
  • Shields business from lawsuits, enabling focus on innovation and growth
  • Quick and easy digital quoting and policy purchase
  • Tailored policies with the option to package with other coverages
Who Is It For
  • Businesses that offer technology products or services
  • Companies working in cutting-edge fields needing to protect proprietary information
  • Tech businesses that own or manage sensitive customer and business data
  • Software developers (including mobile and web developers)
  • IT contractors
  • Businesses manufacturing electronic hardware
  • Technology startups
  • Ecommerce businesses
  • SaaS providers
  • Sales tech companies
  • Fintech companies
  • Consultants to technology companies
Requirements
  • Application and underwriting required
  • For excess coverage: must have a primary policy from another carrier

Professional Liability Insurance

Professional liability insurance protects companies and individuals who provide professional services or advice from civil lawsuits for negligence, mistakes, or misrepresentation. It is often the first policy purchased by professionals such as lawyers, accountants, consultants, and others. In medical and legal fields, it is referred to as malpractice insurance.

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Product Overview

Professional Liability Insurance (also known as errors and omissions or malpractice insurance) protects businesses and professionals if they are sued for alleged negligence, mistakes, or failure to meet professional standards. It covers legal defense costs, settlements, and judgments related to claims of errors, omissions, or misrepresentation in professional services.

Detailed Description

Professional liability insurance protects companies and individuals who provide professional services or advice from civil lawsuits for negligence, mistakes, or misrepresentation. It is often the first policy purchased by professionals such as lawyers, accountants, consultants, and others. In medical and legal fields, it is referred to as malpractice insurance.

Key Features

  • Coverage for mistakes and oversights in professional services
  • Protection against accusations of negligence
  • Coverage for false or misleading statements about products or services
  • Protection from lawsuits due to unmet contractual obligations
  • Attorney and legal fees coverage

Key Benefits

  • Covers legal defense costs if sued for errors, omissions, or negligence in professional services
  • Protects against claims of failing to meet expected standards, deadlines, or contractual obligations
  • Covers legal fees, judgments, and settlements
  • Shields professionals from the financial burden of lawsuits related to their services
Use Cases
  • Accountant makes a tax error resulting in client penalties
  • Bookkeeper misclassifies expenses causing client financial loss
  • Consultant gives advice leading to client investment loss
  • Real estate agent fails to disclose property defects
  • Home inspector overlooks a major issue in a property
  • IT professional's recommendation leads to a data breach
  • Healthcare professional misdiagnoses a patient
How It Works
1.Get a quote and purchase a policy online through Embroker's digital platform
2.Coverage can be tailored and packaged with other policies (e.g., Cyber, Workers Compensation)
3.Policy covers legal defense, settlements, and judgments for covered claims
Documentation
View Documentation
Who Is It For
  • Anyone who provides professional advice or services to clients (e.g., architects, accountants, financial advisors, consultants)
  • Accountants and CPAs
  • Bookkeepers and tax preparers
  • Consultants
  • Real estate agents
  • Home inspectors
  • IT and technology professionals
  • Healthcare professionals (doctors, nurses, etc.)
  • Small businesses and one-person operations
  • Large firms
Requirements
  • Application and underwriting required
  • Some U.S. states have minimum coverage provisions for specific industries
Detailed Sections
Professional Liability insurance

Also known as errors and omissions (E&O) or malpractice insurance, this coverage protects your business if you're sued for alleged negligence, common mistakes, and more.

  • Covers legal defense costs if you're sued for errors, omissions, or negligence in your professional services
  • Protects your business against claims alleging you failed to meet expected standards, deadlines, or other contractual obligations
What is Professional Liability insurance?

Professional liability insurance is commonly known as errors and omissions insurance. This type of insurance protects companies from civil lawsuits for negligence, common mistakes, and misrepresentation claims.

  • Mistakes and oversights: Covers claims alleging errors, omissions, or negligence in your professional services
  • Accusations of negligence: Protects your business in the event you failed to meet expected standards, deadlines, etc.
  • False promises: Covers losses if you’re sued for false or misleading statements about your products or services
  • Contractual liability: Protects against lawsuits from unmet contractual obligations and resulting financial losses
  • Attorney fees: Professional liability insurance covers any attorney and legal fees stemming from claims.
What's not included
  • Personal injury or property damage
  • Cyberattacks and data breaches
  • Employee accusations of discrimination
  • Employee injuries or illness
Embroker makes it simple

Skip the hassle — get Professional Liability coverage the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package Professional Liability with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.
Frequently Asked Questions (FAQ)
Professional Liability illustrated

Explore real-world scenarios of how this coverage has supported businesses

  • Her financial adviser's bad advice led a judge to OK Sudbury woman's $3M lawsuit
  • Rihanna settles multimillion-dollar lawsuit with ex-accountants
  • Jefferson Parish settles lawsuit with performing arts center architect
  • Hollywood Real Estate Agent Chris Cortazzo Sued Over Missing Square Footage

Lawyers Professional Liability Insurance

Lawyers Professional Liability (LPL) insurance, also known as legal professional liability or legal malpractice insurance, is designed to protect law firms and attorneys from financial loss due to alleged errors, omissions, or failure to meet professional standards. Embroker offers a fully digital LPL policy that can be quoted and purchased online in minutes.

Added

Product Overview

The first-ever fully digital lawyers professional liability insurance policy — protect your practice from malpractice claims in minutes, not days.

Detailed Description

Lawyers Professional Liability (LPL) insurance, also known as legal professional liability or legal malpractice insurance, is designed to protect law firms and attorneys from financial loss due to alleged errors, omissions, or failure to meet professional standards. Embroker offers a fully digital LPL policy that can be quoted and purchased online in minutes.

Key Features

  • Coverage for errors and misguided advice (mistakes, misrepresentation, improper counsel)
  • Coverage for professional negligence (failure to meet expected professional standards)
  • Coverage for contractual liability (lawsuits from unmet contractual obligations, missed deadlines)
  • Digital platform for fast quotes and policy purchase
  • Option to package with other coverages (e.g., Cyber, Workers Compensation)

Key Benefits

  • Safeguards your business, partners, employees, and counsel attorneys from financial loss due to alleged errors and omissions
  • Covers the costs of defending claims alleging failure to meet expected professional standards
  • Quick, digital quote and purchase process
  • Tailored coverage options
  • Expert guidance from insurance professionals
Documentation
View Documentation
Who Is It For
  • Law firms
  • Attorneys
  • Partners, employees, and counsel attorneys at law firms
  • Attorneys practicing in intellectual property, loan modification, trusts, and personal injury (higher risk areas)
Requirements
  • Subject to application and underwriting requirements
  • Some states require attorneys to carry legal malpractice insurance or disclose lack of coverage
Detailed Sections
Why it's essential
  • Safeguards your business, your partners, employees, and counsel attorneys from financial loss due to alleged errors and omissions
  • Covers the costs of defending claims alleging you failed to meet expected professional standards.
Why choose Embroker
  • All lawyers need legal malpractice insurance
  • Attorneys practicing in fields of intellectual property, loan modification, trusts, and personal injury cases are considered particularly at risk due to the nature of their work
What is Lawyers Professional Liability insurance?

Lawyers Professional Liability (LPL) is typically the most important insurance policy a lawyer or law firm can buy. Legal malpractice claims happen when an attorney allegedly fails to meet the standard guidelines of professional and ethical conduct. Even the most diligent law firms are vulnerable to such costly claims, including misinterpretations of the law, bad advice, missed deadlines, or conflicts of interest.

What's covered
  • Errors and misguided advice: Protects against claims alleging mistakes, misrepresentation, and improper counsel
  • Professional negligence: Covers claims alleging you failed to meet expected professional standards
  • Contractual liability: Protects against lawsuits from unmet contractual obligations and resulting financial losses, such as missed deadlines
What's not included
  • Employment-related lawsuits related to discrimination, harassment, and more
  • Bodily injury and property damage claims
  • Potential claims you’re aware of but fail to disclose
  • Breach of fiduciary duty
Embroker makes it simple

Skip the hassle — get Lawyers Professional Liability insurance the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package Lawyers Professional Liability insurance with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.
Frequently Asked Questions (FAQ)
  • How do I know I have the right coverage for my business?
  • Are there additional coverages available with LPL insurance?
  • Who benefits most from LPL insurance?
  • Why do you need LPL insurance?
  • What does LPL insurance cost?
Lawyers Professional Liability illustrated

Explore real-world scenarios of how this coverage has supported businesses.

  • Jury awards $343K in legal malpractice suit by purchaser of polluted property
  • Dentons suffers $32 million lawsuit loss for malpractice
  • Troutman Pepper faces $59M malpractice suit for alleged negligence

General Liability Insurance

A commercial general liability (CGL) insurance policy protects your business assets from any third-party claims of injury or negligence related to your business. Even if you didn’t do anything wrong, your business can still get tied up in a messy court case and lose a lot of money defending itself before your innocence is proven. General liability insurance can cover legal defense costs and provide you with resources to keep your business operating even in the midst of a lawsuit.

Added

Product Overview

General Liability insurance from Embroker covers legal costs, medical costs, and court settlements for claims alleging property damage or bodily injury. It protects business assets from third-party claims of injury or negligence, covering legal defense costs and helping maintain business continuity during lawsuits.

Detailed Description

A commercial general liability (CGL) insurance policy protects your business assets from any third-party claims of injury or negligence related to your business. Even if you didn’t do anything wrong, your business can still get tied up in a messy court case and lose a lot of money defending itself before your innocence is proven. General liability insurance can cover legal defense costs and provide you with resources to keep your business operating even in the midst of a lawsuit.

Key Features

  • Third-party bodily injuries: Covers medical costs resulting from an injury claim by another party
  • Third-party property damage: Pays for damages to someone else’s property if caused by your business
  • Operational costs: Covers injuries that could occur as a result of your production/manufacturing process
  • Personal injury: Protects against claims of libel, slander, privacy violations, or unlawful eviction
  • Product liability: Covers claims that your products damaged property or caused bodily injuries
  • Legal expenses: Pays for court costs, possible loss of income if your reputation is damaged, and settlements awarded by the court

Key Benefits

  • Safeguards your business by covering costs related to bodily injury, property damage, and other claims
  • Covers court costs and settlements, and possible loss of income if your reputation is damaged
  • Maintains business continuity in case of legal challenges
  • Provides peace of mind by helping you manage business risks
How It Works
1.Get a quote and buy your policy through Embroker's digital platform
2.Coverage can be purchased in minutes
3.Policies can be tailored and packaged with other coverages (e.g., Cyber, Workers Compensation)
4.Expert guidance is available from Embroker's team
Documentation
View Documentation
Who Is It For
  • Any business that deals with or employs people
  • Businesses with a physical location (retail space, office, warehouse, etc.) where there's a risk of injury or illness
  • Companies of all sizes that provide a product or service, including consultants, contractors, and tradespeople
  • Independent consultants, contractors, or tradespeople
Requirements
  • Insurer will review your business’s past history of claims
  • Evaluation of the type of products or services you provide
  • Assessment of potential threats and risks in your line of work
Detailed Sections
General Liability insurance

Covers legal costs, medical costs, and court settlements for claims alleging property damage or bodily injury.

  • Safeguards your business by covering costs related to bodily injury, property damage, and other claims
  • Covers court costs and settlements — and possible loss of income — if your reputation is damaged
  • Maintains business continuity in case of legal challenges
What is General Liability insurance?

A commercial general liability (CGL) insurance policy protects your business assets from any third-party claims of injury or negligence related to your business. Even if you didn’t do anything wrong, your business can still get tied up in a messy court case and lose a lot of money defending itself before your innocence is proven. General liability insurance can cover legal defense costs and provide you with resources to keep your business operating even in the midst of a lawsuit.

  • Third-party bodily Injuries: Covers any related medical costs resulting from an injury claim by another party
  • Third-party property damage: Pays for damages to someone else’s property if it was caused by your business
  • Operational costs: Covers any injuries that could occur as a result of your production/manufacturing process
  • Personal injury: Protects you if you’re sued for personally injuring someone, including claims of libel, slander, violating another person’s privacy rights, or unlawful eviction
  • Product liability: Covers against claims that your products damaged a person’s property or caused bodily injuries, no matter where they are at the time
  • Legal expenses: Pays for court costs, possible loss of income if your reputation is damaged, and settlements awarded by the court
What's not included
  • Employee Injuries: Staff injuries or work-related illness is covered by workers compensation insurance
  • Professional Errors: You can’t depend on your general liability policy to cover you if you’re sued for failing to uphold a professional standard of care — that’s what your E&O insurance is designed to cover
  • Employment Practices Lawsuits: Proper employment practices liability insurance (EPLI) coverage will help you deal with these types of issues if they do occur
  • Property Damage: If you want to protect your commercial property from theft, fires, or any other weather-related damage, you need commercial property Insurance and specific policies like fire insurance coverage
Embroker makes it simple

Skip the hassle — get General Liability insurance the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in a minutes, not days.
  • Tailored policies: Package General Liability insurance with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.
Frequently Asked Questions (FAQ)
  • How do I know I have the right coverage for my business?
  • Why do you need General Liability insurance?
  • When do you need General Liability insurance?
  • How do you apply for General Liability insurance?
  • Who benefits most from General Liability insurance?
  • Is General Liability insurance required by law?
  • What does General Liability Insurance cost?
General Liability illustrated

Explore real-world scenarios of how this coverage has supported businesses

  • Slip results in lawsuit against Starbucks, others
  • Homeowners file lawsuits against NEXUS for property damage
  • Woman slips in bathroom at J. Alexander's in Boca, sues
  • Federal lawsuit accuses 4 Detroit McDonalds of using Project Green Light for false advertising

Employment Practices Liability Insurance

EPLI is designed to reduce exposure to employment-related lawsuits and protect businesses from costly employee claims of discrimination, wrongful termination, and harassment. Coverage applies to claims under Title VII of the Civil Rights Act and other employment laws. It can be purchased as a standalone policy or as an endorsement to a Business Owners Policy (BOP), with standalone coverage offering greater limits and broader protection.

Added

Product Overview

Employment Practices Liability Insurance (EPLI) from Embroker provides coverage for businesses against costly claims alleging unfair or inappropriate treatment of employees, including discrimination, wrongful termination, and harassment. The policy covers legal defense costs, settlements, and judgments related to poor employment practices, and is essential for any business with employees.

Detailed Description

EPLI is designed to reduce exposure to employment-related lawsuits and protect businesses from costly employee claims of discrimination, wrongful termination, and harassment. Coverage applies to claims under Title VII of the Civil Rights Act and other employment laws. It can be purchased as a standalone policy or as an endorsement to a Business Owners Policy (BOP), with standalone coverage offering greater limits and broader protection.

Key Features

  • Coverage for legal defense costs, settlements, and judgments due to poor employment practices
  • Protection against claims of retaliation following employee allegations
  • Coverage for wrongful demotion or disciplining of an employee
  • Coverage for wage and hour disputes
  • Option to package with other coverages (e.g., Cyber, Workers Compensation)
  • Digital platform for quick quotes and policy purchase

Key Benefits

  • Covers financial losses if sued by an employee for harmful or inappropriate treatment
  • Covers legal defense costs for claims of unfair promotion practices, unjust dismissal, or breach of employment contract
  • Protection from claims of discrimination, wrongful termination, harassment, and retaliation
  • Free access to HR consulting services with Excelerator® (HR Portal, Employee Handbook Review, HR Helpline, LMS Compliance Training)
Use Cases
  • Hiring or firing employees
  • Demoting or promoting employees
  • Offering raises to employees
  • Communicating to or about employees
  • Managing benefits for employees
Documentation
View Documentation
Who Is It For
  • Any company with employees
  • Businesses that communicate to or about employees
  • Companies that offer benefits to employees
  • Industries that interact with customers and the general public
Requirements
  • In-depth anti-discrimination policy
  • Frequent revision of employee handbook
  • Post-incident investigation practices
Detailed Sections
Employment Practices Liability insurance

Employment Practices Liability insurance (EPL) provides coverage for costly claims alleging unfair or inappropriate treatment.

  • Covers financial losses if you are sued by an employee for harmful or inappropriate treatment
  • Covers legal defense costs for claims of unfair promotion practices, unjust dismissal, or breach of your employment contract
What is Employment Practices Liability insurance?

EPLI is designed to reduce exposure to employment-related lawsuits and protect businesses from costly employee claims of discrimination, wrongful termination, and harassment.

  • Coverage applies to employment claims under Title VII of the Civil Rights Act and other employment laws
  • Common discrimination issues: age, national origin, religion, vaccination status, gender, sexual orientation and gender identity, pregnancy
  • Can be added as an endorsement to a Business Owners Policy (BOP) for smaller businesses
  • Standalone EPLI offers greater limits and broader coverage
What's covered
  • Legal defense costs, settlements, and judgments due to poor employment practices
  • Claims of retaliation following an employee allegation of employer wrongdoing
  • Wrongful demotion or disciplining of an employee
  • Wage and hour disputes
What's not included
  • Criminal and civil fines, penalties, and punitive damages
  • Wages you should have paid
  • Alleged injuries to employees
  • Disputes related to unemployment benefits or workers compensation claims
  • Damage caused to employee property
Free access to valuable HR consulting services with Excelerator®

When you buy EPLI coverage with Embroker, you get free access to significant HR services managed independently by Excelerator®.

  • HR Portal
  • Employee Handbook Review
  • HR Helpline
  • LMS Compliance Training
Embroker makes it simple

Skip the hassle — get Employment Practices Liability insurance the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package EPL insurance with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.

Cyber Insurance

Cyber insurance is a financial product that enables businesses to transfer the costs involved with recovery from a cyber-related security breach or similar events. It covers both direct (first-party) and indirect (third-party) losses, including data loss, business interruption, cyber extortion, network security liability, privacy liability, and more. Embroker's policy also provides access to breach coaches and service providers.

Added

Product Overview

Embroker's Cyber Insurance (also called cyber liability insurance) helps businesses cover both first- and third-party financial losses resulting from data breaches and other cybercrimes that may compromise sensitive company and customer information. The policy is designed to transfer the costs involved with recovery from a cyber-related security breach or similar events, and typically includes network security coverage, liability claims, and ancillary expenses of an attack or breach.

Detailed Description

Cyber insurance is a financial product that enables businesses to transfer the costs involved with recovery from a cyber-related security breach or similar events. It covers both direct (first-party) and indirect (third-party) losses, including data loss, business interruption, cyber extortion, network security liability, privacy liability, and more. Embroker's policy also provides access to breach coaches and service providers.

Key Features

  • Network security coverage (data breaches, malware, ransomware, business account/email compromise)
  • Data loss, recovery, and recreation
  • Business interruption/loss of revenue due to a breach
  • Loss of transferred funds
  • Computer fraud (including social engineering attacks, with special extension)
  • Cyber extortion (ransom payments, negotiation, legal assistance)
  • Network security liability (claims from unauthorized access/use of systems)
  • Privacy liability (PII/PHI disclosure, regulatory fines, legal actions)
  • Multimedia liability (IP infringement, defamation, privacy violations via digital media)
  • Notification costs for affected individuals
  • Credit monitoring for breach victims
  • Civil damages (including class actions)
  • Computer forensics costs
  • Reputational damage mitigation (PR management)

Key Benefits

  • Covers both first-party and third-party financial losses from cyber incidents
  • Helps with regulatory and contractual responsibilities regarding customer data
  • Mitigates financial and reputational risks from cyberattacks
  • Provides access to breach response experts and legal support
  • Customizable coverage to fit business needs and budget
Documentation
View Documentation
Who Is It For
  • Startups and tech companies
  • Financial institutions (banks, credit unions, insurance companies)
  • Professional services firms (law firms, accounting firms, consulting companies)
  • Small and medium-sized enterprises (SMEs)
  • Healthcare providers (hospitals, clinics, private practices)
  • Law firms
Requirements
  • Application and underwriting required
  • Deductible selection required (higher deductible = lower premiums)
Detailed Sections
Cyber Liability insurance

Embroker helps you get cyber liability insurance to cover both first- and third-party financial losses resulting from data breaches and other cybercrimes that may compromise sensitive company and customer information.

What is Cyber Insurance?

A cyber insurance policy enables businesses to transfer the costs involved with recovery from a cyber-related security breach or similar events. Network security coverage is a key aspect, responding to failures such as data breaches, malware, ransomware, and business account/email compromise. The policy also covers liability claims and ancillary expenses, and may provide access to breach coaches and service providers.

Who is cyber insurance coverage for?

Cyber coverage is essential for businesses of all sizes and across various industries, especially those handling digital information or customer data. Regulatory obligations and the high cost of breaches make coverage important for many organizations.

  • Startups and tech companies
  • Financial institutions
  • Professional services firms
  • Small and medium-sized enterprises (SMEs)
  • Healthcare providers
  • Law firms
Why do you need it?

Traditional business insurance policies do not cover cyber risks. Cyber insurance policies are evolving and becoming more industry-specific. Many businesses lack a quality cybersecurity strategy, making cyber insurance increasingly important.

What does cyber insurance cover?

Covers data loss, business interruption, loss of transferred funds, computer fraud, cyber extortion, network security liability, privacy liability, multimedia liability, notification costs, credit monitoring, civil damages, computer forensics, and reputational damage.

  • Data loss, recovery, and recreation
  • Business interruption/loss of revenue
  • Loss of transferred funds
  • Computer fraud
  • Cyber extortion
  • Network security liability
  • Privacy liability
  • Multimedia liability
First-party coverage vs. third-party coverage

First-party coverage protects the insured organization against direct losses and expenses. Third-party coverage protects against claims made by external parties. Both are often complementary.

  • First-party: incident response, data recovery, business interruption, reputational harm
  • Third-party: legal defense, settlements, regulatory fines, damages
What’s not covered?

Exclusions include pre-breach vulnerabilities, future profits, IP theft, patent infringement, acts of war, post-attack system improvements, and social engineering attacks (unless extension is added).

Does cyber insurance have a deductible?

Yes, deductible is selectable and affects premium.

What does cyber insurance cost?

Cost is determined by company sophistication, coverage limit, revenue, and number of PII/PHI records. Deductible amount also affects premium.

Embroker makes it simple

Get a quote and buy your policy right away through our digital platform. Package Cyber coverage with other essential coverages. Benefit from expert guidance.

  • Quick quotes
  • Tailored policies
  • Expert guidance

Directors and Officers Insurance

D&O insurance is a type of liability insurance that covers directors and officers of a company against lawsuits alleging a breach of fiduciary duty. It reimburses settlements and legal defense costs from covered claims, allowing executives to serve confidently without fear of personal financial loss.

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Product Overview

Directors and Officers (D&O) insurance protects the personal assets of a company's board of directors and officers from lawsuits related to the management of the company. It covers legal defense costs, settlements, and other financial losses arising from claims such as misuse of company funds, breach of fiduciary duty, and failure to comply with laws. Embroker offers tailored D&O policies with quick digital quotes and expert guidance.

Detailed Description

D&O insurance is a type of liability insurance that covers directors and officers of a company against lawsuits alleging a breach of fiduciary duty. It reimburses settlements and legal defense costs from covered claims, allowing executives to serve confidently without fear of personal financial loss.

Key Features

  • Three insuring agreements: Side A (individuals), Side B (company reimbursement), Side C (company entity coverage)
  • Coverage for settlements and legal defense costs
  • Digital platform for quick quotes and policy purchase
  • Ability to bundle with other coverages (e.g., Cyber, Workers Compensation)
  • Expert guidance from industry specialists

Key Benefits

  • Covers legal defense costs for claims alleging misuse of company funds and other breaches of fiduciary duty
  • Safeguards decision makers from personal financial losses
  • Covers claims for contract disputes, failure to comply with laws, or other mismanagement
  • Helps attract and retain top executive talent
  • Provides protection in cases of bankruptcy, regulatory actions, shareholder disputes, and employee lawsuits
Use Cases
  • Protection against regulatory actions (e.g., SEC lawsuits)
  • Defense against shareholder lawsuits
  • Coverage for claims of fraudulent business practices
  • Protection in cases of bankruptcy or insolvency
  • Coverage for employment-related lawsuits directed at management
How It Works
1.Get a quote and buy a policy through Embroker's digital platform
2.In the event of a claim, inform the company's lawyers and risk management team
3.Submit a detailed description of the claim to the insurance provider
4.Insurer analyzes the claim for coverage eligibility
5.If accepted, insurer covers legal defense costs and financial losses
Documentation
View Documentation
Who Is It For
  • Any private or public company with a board of directors
  • Startups that have received or are about to receive venture capital funding
  • Companies seeking to attract top-tier executives
  • Non-profit corporations
Requirements
  • Subject to application and underwriting requirements
  • Services and pricing may vary by state
Detailed Sections
Directors and Officers insurance

Also known as D&O insurance, this coverage is designed to protect the personal assets of your board of directors from lawsuits related to the management of the company.

  • Covers legal defense costs for claims alleging misuse of company funds and other breaches of fiduciary duty
  • Safeguards your company's decision makers from personal financial losses
  • Covers claims if you're sued for contract disputes, failure to comply with federal or state laws, or other mismanagement
What is Directors and Officers (D&O) insurance?

Directors and officers insurance is a type of liability insurance that covers the directors and officers of a company against lawsuits alleging a breach of fiduciary duty. A company pays for this coverage so executives can serve confidently as leaders of their organization without fear of personal financial loss.

  • A D&O policy contains three insuring agreements — commonly referred to as Side A, Side B, and Side C.
What's covered
  • Misuse of company funds
  • Misrepresentations of company assets
  • Breach of fiduciary duty
  • Failure to comply with workplace laws
  • Lack of corporate governance
What's not included
  • Lawsuits between members of the same company
  • Criminal or deliberately fraudulent activity
  • Prior knowledge claims
  • Any director who is actively negotiating, authorizing, or in any way engaged in antitrust violations
Embroker makes it simple

Skip the hassle — get D&O coverage the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package D&O with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.
Frequently Asked Questions (FAQ)

Answers to common questions about D&O insurance, including who needs it, what it covers, how claims work, and pricing.

Directors and Officers illustrated

Explore real-world scenarios of how this coverage has supported businesses.

  • SEC sues Elon Musk for his allegedly misleading tweets
  • Loeb's Third Point files suit against Campbell Soup
  • Medical recruiter sued for fraudulent business practices
  • Bankman-Fried sentenced to 25 years for multibillion dollar FTX fraud

Commercial Crime Insurance

Commercial Crime insurance helps protect companies from significant losses caused by both third parties and internal employees. It provides coverage for loss of money or other assets against theft, fraud, forgery, burglary, and more. The policy includes first-party coverage (protecting your business from its own losses due to criminal activity) and third-party coverage (protecting your business if another entity claims a criminal act by your business caused them direct losses).

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Product Overview

Commercial Crime insurance from Embroker covers losses due to crimes such as theft, fraud, and forgery committed by both employees and third parties. It protects businesses from financial losses resulting from internal and external criminal acts, including digital fraud and social engineering.

Detailed Description

Commercial Crime insurance helps protect companies from significant losses caused by both third parties and internal employees. It provides coverage for loss of money or other assets against theft, fraud, forgery, burglary, and more. The policy includes first-party coverage (protecting your business from its own losses due to criminal activity) and third-party coverage (protecting your business if another entity claims a criminal act by your business caused them direct losses).

Key Features

  • Employee theft coverage (shoplifting, embezzlement, larceny)
  • Third-party theft coverage
  • Forgery and fraud coverage, including digital fraud
  • Money laundering coverage
  • Counterfeit currency coverage
  • Social engineering fraud coverage

Key Benefits

  • Covers financial losses from internal crimes such as shoplifting, embezzlement, skimming, and more
  • Protects against losses caused by crimes committed by others against your business, such as burglary and fraud
  • Covers claims alleging that a criminal act perpetrated by your business caused someone else direct financial losses
  • Safeguards against both corporate asset theft and sophisticated computer/online schemes
Use Cases
  • {"link":"https://gizmodo.com/foxconn-employee-steals-1-5-million-in-iphones-before-1789596499","title":"Foxconn employee steals 5,700 iPhones before getting caught","summary":"A Foxconn manager stole and sold 5,700 iPhones, resulting in a $1.56 million loss."}
  • {"link":"https://www.insurancejournal.com/news/national/2018/07/17/495389.htm","title":"Court finds Travelers crime policy covers email spoofing loss","summary":"A company’s loss of $834,107 due to email spoofing was covered by their crime policy."}
  • {"link":"https://www.insurancejournal.com/news/national/2018/07/09/494384.htm","title":"Chubb’s crime insurance policy covers ‘spoofed’ wire transfer","summary":"Medidata employees were tricked into wiring $5 million to fraudsters via spoofed emails."}
  • {"link":"https://www.arkansasbusiness.com/article/125395/spoofing-scams-on-the-rise-costing-arkansas-companies-millions","title":"Spoofing scams cost Arkansas companies millions","summary":"Happy Egg Co. lost $972,500 due to a change-of-account email scam."}
Documentation
View Documentation
Who Is It For
  • Businesses that hire part-time staff or engage in cash transactions
  • Companies that manage inventory or have expensive equipment in the office
  • Companies that deal with customer data, digital transactions, or financial records
Requirements
  • Subject to application and underwriting requirements
Detailed Sections
Why it's essential
  • Covers financial losses from internal crimes, such as shoplifting, embezzlement, skimming, and more
  • Protects against losses caused by crimes committed by others against your business, such as burglary and fraud
  • Covers claims alleging that a criminal act perpetrated by your business caused someone else direct financial losses
Who needs this coverage
  • Businesses that hire part-time staff or engage in cash transactions
  • Companies that manage inventory or have expensive equipment in the office
  • Companies that deal with customer data, digital transactions, or financial records
What's covered
  • Employee theft, including shoplifting, embezzlement, and larceny
  • Third-party theft
  • Forgery and fraud, including digital fraud
  • Money laundering
  • Counterfeit currency
  • Social engineering fraud
What's not included
  • Loss of income
  • Indirect losses
  • Crimes committed by executives, business partners, and employees in coordination with business partners
  • Third-party liabilities arising from crime-related losses
  • Cybercrime-related losses such as lost patents, trade secrets, and customer lists
  • Exposures covered by other insurance policies
Embroker makes it simple

Skip the hassle — get Commercial Crime coverage the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package Commercial Crime coverage with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.

Industry-Specific Business Insurance Packages

Embroker's industry-specific business insurance packages are designed to simplify the insurance process for businesses by offering tailored coverage bundles that address the unique risks of various industries. The platform provides custom quotes in minutes and allows businesses to secure multiple types of coverage with a single application.

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Product Overview

Embroker offers industry-specific business insurance packages that provide fast quotes, custom coverage, and comprehensive protection tailored to the unique risks of your business sector. With a streamlined application process, businesses can secure all necessary coverages in one place, supported by both human expertise and technology.

Detailed Description

Embroker's industry-specific business insurance packages are designed to simplify the insurance process for businesses by offering tailored coverage bundles that address the unique risks of various industries. The platform provides custom quotes in minutes and allows businesses to secure multiple types of coverage with a single application.

Key Features

  • Industry-specific insurance packages
  • Single application for multiple coverages
  • Combination of human expertise and technology for service delivery
  • Coverage recommendations based on business type
  • Ability to get a quote in minutes
  • Hassle-free, paperless process

Key Benefits

  • Custom coverage tailored to your industry
  • Fast quotes and easy application process
  • All necessary coverages in one place
  • Personalized support from insurance experts
  • Transparent solutions that prioritize your business needs
  • Protection against a wide range of industry-specific risks
How It Works
1.Select your industry or coverage type.
2.Complete a single, streamlined application.
3.Receive custom quotes in minutes.
4.Choose and purchase the coverage package that fits your needs.
Documentation
View Documentation
Who Is It For
  • Funded Startups
  • Tech Companies
  • Law Firms
  • Venture Capital & Private Equity Firms
  • Financial Services Professionals (Accountants, Tax Preparers, Bookkeepers)
  • Real Estate Agents / Brokers
  • Consultants
  • Other Small Businesses
Requirements
  • Subject to application and underwriting requirements.
  • Services and pricing may vary by state.
Detailed Sections
Insurance, tailored for your business.

Fast quotes. Custom coverage. Complete peace of mind.

Insurance made simple. Get back to business faster.

Embroker cuts through insurance complexity with custom quotes in minutes and hassle-free coverage tailored to your industry.

  • All your insurance needs in one stop
  • Human smarts and tech speed in one platform
  • Transparent solutions that prioritize you
What type of business are you insuring?

Save time with our industry-specific insurance packages and get a quote for key coverages with just one application.

  • Funded Startups: Comprehensive coverage for startups.
  • Law Firms: Essential protection for law practices.
  • Tech Companies: Specialized coverage for tech risks.
  • VC & PE Firms: Core coverages for investors.
  • Financial Services: Specialized coverage for financial professionals.
  • Real Estate Agents / Brokers: Tailored insurance for real estate professionals.
  • Consultants: Essential coverage for consulting firms.
  • Other: Coverage for all business types.
What type of coverage do you need?

Choose the coverage that interests you the most and we'll take it from there. We'll even let you know about other related coverages to consider.

  • Business Owners Policy
  • Commercial Crime
  • Cyber Insurance
  • Directors and Officers
  • Employment Practices Liability
  • General Liability
  • Lawyers Professional Liability
  • Professional Liability
  • Technology Errors and Omissions / Cyber
Getting a quote is fast and easy

Tell us a bit about your business and we’ll create a coverage package that fits your needs, with a price you can count on.

Supporting Resources
FAQHelp Center
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Business Owners Policy

A Business Owners Policy (BOP) is a package that combines essential insurance coverages—commercial property, general liability, and business interruption—into one policy. It is designed to make it easier and more affordable for small businesses to protect themselves from a range of common risks. BOPs can be customized with endorsements and additional coverages to fit specific business needs.

Added

Product Overview

Embroker's Business Owners Policy (BOP) is a bundled insurance package for small businesses, combining commercial property, general liability, and business interruption insurance. It is designed to be a convenient, cost-effective way to protect businesses from common risks, and can be customized with additional coverages.

Detailed Description

A Business Owners Policy (BOP) is a package that combines essential insurance coverages—commercial property, general liability, and business interruption—into one policy. It is designed to make it easier and more affordable for small businesses to protect themselves from a range of common risks. BOPs can be customized with endorsements and additional coverages to fit specific business needs.

Key Features

  • Commercial property insurance: covers damage or theft of business property, equipment, or office contents
  • General liability insurance: covers third-party bodily injury and property damage claims
  • Business interruption insurance: covers loss of income if the business is forced to close temporarily
  • Customizable with endorsements (e.g., professional liability, EPLI, spoiled merchandise, mechanical breakdown)
  • Digital platform for quick quotes and instant coverage
  • Expert guidance from Embroker's team

Key Benefits

  • Protects against financial losses if business property or equipment is damaged or stolen
  • Covers claims if the business is responsible for harming someone or damaging their property
  • Protects from business interruptions in case of legal challenges
  • Convenient, bundled coverage in a single policy
  • Cost savings compared to purchasing separate policies
  • Customizable with endorsements and additional coverages
Documentation
View Documentation
Who Is It For
  • Small business owners with a low-risk profile and basic coverage needs
  • Businesses with fewer than 100 employees and less than $10 million a year in revenue
  • Businesses with a physical location (including home offices)
Requirements
  • Typically for businesses with fewer than 100 employees
  • Annual revenue less than $10 million
  • Must have a physical location (including home offices)
Detailed Sections
Business Owners Policy

Embroker's Business Owners Policy (BOP) includes market-leading commercial property, general liability, and business interruption insurance.

  • Protects against financial losses if your business property or equipment is damaged or stolen
  • Covers claims if your business is responsible for harming someone or damaging their property
  • Protects you from business interruptions in case of legal challenges
What is a Business Owners Policy?

A Business Owners Policy (BOP) is a convenient, cost-effective package that combines essential insurance coverages, making it easier and more affordable to protect your business. This package will protect you from the liability losses that a general liability policy will cover, but it will also cover property losses and business interruption costs. A BOP can be customized to fit your business needs, which means that additional coverages can be added to it, such as commercial auto insurance.

  • Commercial property: Protection if your business property is damaged, or if equipment/office contents are damaged or stolen.
  • General liability: Covers claims related to third-party bodily injury or third-party property damage.
  • Business interruption: Covers loss of income if your business is forced to close down for a period of time.
What's not included
  • Cyberattacks and breaches
  • Professional liabilities, such as errors and omissions
  • Employment-related claims
  • Criminal activity or illegal acts
Embroker makes it simple

Skip the hassle — get BOP coverage the easy way and protect your business with tailored coverage.

  • Quick quotes: Get a quote and buy your policy right away through our digital platform. Get covered in minutes, not days.
  • Tailored policies: Package BOP with other essential coverages, such as Cyber and Workers Compensation.
  • Expert guidance: Benefit from our team's in-depth knowledge of common industry risks and insurance needs.
Frequently Asked Questions (FAQ)
  • How do I know I have the right coverage for my business?
  • Are there additional coverages available with BOP insurance?
  • Who benefits most from BOP insurance?
  • Why do you need BOP insurance?
  • What does BOP insurance cost?
Business Owners Policy illustrated

Explore real-world scenarios of how this coverage has supported businesses.

  • Woman sues McDonald's over hot coffee burn; it’s not the first case
  • Nacho cheese dip leads to Thorntons lawsuit
  • BJ's slip-and-fall suit yields $1 million verdict in Middlesex county