Frequently asked questions (FAQ)

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

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

To 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.

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.

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

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

If you 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.