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Smart technology that simplifies underwriting and reduces costs

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Our Summary

This Embroker Insurance review looks at the coverage options, regions served, and the company's reputation. Embroker uses technology to help business owners get the right policy for the best possible price. It is well known for its affordable cyber coverage for businesses that includes data breach coverage as well as cyber coverage for IT professionals.  

Company Overview

Embroker was the first of many companies to be a digital insurance provider. It was founded in 2015 and has helped more than 20,000 businesses get the coverage that they need. In 2017, Embroker partnered with Munich Re to help them build their own insurance products that are underwritten with algorithms and technology, all to be purchased entirely online.

Geographic Representation

Embroker has a license to serve customers in all 50 states. 

Lines of Coverage

Embroker has instant policies that you can buy and also has pre-bundled packages for startups and law firms.

The types of commercial insurance policies listed with Embroker Insurance include:

  • Business Owners Policy (BOP): A combination policy of general liability and commercial property insurance 
  • Professional Liability: Provides coverage for accusations of malpractice or other professional negligence.  
  • Commercial Crime: Protects the business from petty theft, fraud, and burglary that may be committed by employees or outside crooks 
  • Cyber: Protects the company from costly claims due to hackers and cybercriminals
  • Directors and Officers: Protects assets from lawsuits for the board of directors misuse of company funds, misrepresentations of assets, and breach of fiduciary responsibility

Top Industries Served

Embroker serves a wide range of industries but has positioned itself to be most helpful with startups and law firms. Its package products allow business owners to complete one application for multiple policies. Of startups, Embroker is particularly helpful for tech companies, using its own startup experience to guide the needs of new tech companies.

Premium Costs

Embroker does not advertise rates. We completed the online questionnaire to receive a quote on general liability insurance. The system did not automatically generate a quote. Instead, it collects the data to email you later.

Rates will vary depending on your business specifics. Things like revenue, location, industry, and prior claims history will affect your rates.  

Underwriting Process

Embroker relies on a comprehensive online interview to collect all necessary underwriting information. The process takes about ten minutes to complete. You are given a note at the end of the process that says they will send a proposal shortly. This is done via email and may take up to 24 hours to come through - although a confirmation email is sent immediately.  

AM Best Ratings

Embroker is backed by Munich Re which means that it doesn’t have an AM Best rating on its own. Munich Re has an A+ rating with AM Best. This suggests that the company is in good financial standing and can handle a large number of claims that may come through at any time. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) maintains a complaint index on licensed companies. Because Embroker is a broker, it doesn’t have an NAIC listing. Instead, its partner, Munich Re, does. Munich Re had no commercial complaints from 2018 to 2020. This suggests that consumers are happy with the insurance and feel the company does what it promises. 


We looked to third-party review sites to better understand what real customers were saying about Embroker. Embroker doesn’t have a listing with Trustpilot or other major review sites, making it difficult to glean any insights about the company. The company is listed but not accredited by the Better Business Bureau. There are no reviews or complaints made on the BBB website. 

Concluding Thoughts

Embroker is the leader when it comes to digital insurance products. They work hard to package products that meet the needs of businesses so that business owners don’t need to get confused about which insurance products they do and don’t need. Though Embroker’s online questionnaire is a bit lengthy, it does an excellent job gathering the necessary information to underwrite a policy directly online. 

Learn more about Embroker Insurance 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation.

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We had a great experience. Michael, was super helpful, answered all our questions and did a great job finding us an insurance company. He also made an effort to get everything done as fast as possible. We are very thankful for the excellent service.
Five Star Rating
Alex F
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Great turn around time and the staff make every process very easy. User-friendly organization.
Five Star Rating
Justin Ake
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The entire process was very easy....from initial quote to signing the policy. Their rates were very competitive. Thanks for protecting me and my business!
Five Star Rating
R Luscombe