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Get the best startup insurance and best small business insurance for business owners with these commercial insurance products from Embroker insurance agency.

Searching for the top insurance companies or insurance consultants for your shop insurance, commercial insurance and small business insurance requirements?

Minimise your business insurance costs with Embroker, a breakthrough insurance agency built for owners who don’t want to waste time on insurance so they can focus on building their business.

With Embroker, you don’t have to deal with commercial insurance brokers or deal with legacy insurance businesses. There are no faxes, no paper forms – just a radically simple approach that provides fully-digital tailored coverage in minutes.

Here are some company insurance and small business insurance policies that your business may require:

Startup Insurance for Startups & Growth Stage

From seed to IPO, you can save 25% on top-rated insurance with Embroker’s Startup Insurance Package that offers market-leading D&O, EPL, and tech E&O including cyber coverage, and get it in minutes, not weeks.

Startup leaders aren’t insurance experts. So the Embroker Venture Program has designed comprehensive Startup and Growth Stage insurance that can be bought in minutes rather than weeks. Your portfolio companies receive extra underwriting credits of up to 25%.

Embroker’s complimentary service program tracks business insurance compliance of all of your portfolio companies in one simple dashboard. Get an automated compliance dashboard to track coverage of all your portfolio companies and identify insurance gaps.

Public Liability Insurance

Public Liability Insurance is a type of general liability insurance that covers the cost of claims made by the public that happen in connection with your business activities. It offers the optimum protection to the business in case any third-party business liability arising out of injury or property damage.

Commercial Insurance

Commercial Insurance is designed to protect businesses and covers them against losses arising out of damage to property, injury to employees or provide core business insurance that also covers product liability insurance, public liability or employer’s liability.

A Business Owners Policy (BOP) and Commercial Package Policy (CPP) are both corporate insurance bundles designed to save businesses money while providing comprehensive coverage.

A Business Owners Policy (BOP) is an insurance policy that has been packaged to include three integral commercial coverages: general liability, property, and business interruption insurance.

Embroker’s Business Owners Policy (BOP) includes market-leading commercial property, general liability, and business interruption insurance. It cannot cover every single business risk, but it does provide a good start for smaller businesses.

A Commercial Package Policy (CPP) can include a plethora of public liability coverages, including professional liability, auto insurance, employment practices liability, pollution liability, and more.

If you have a business that has grown significantly and has taken on greater and more unique liability exposures by way of this growth, a CPP might be the best commercial general liability insurance for you.

However, a CPP also has limitations and there are specialized commercial liability insurance policies that cannot be bundled into a CPP, including directors & officers, workers compensation, and key person insurance, for example.

Embroker provides a business owners policy (BOP) and a commercial package policy (CPP) as bundled insurance policies sold for less than it would cost to buy each policy separately. Get it in minutes, not days.

Commercial Insurance

Key Person Insurance

Embroker helps you get key person insurance, a life insurance policy on an executive, founder, or other critical employees whose death or disability would adversely affect the company’s finances and stability.

Directors And Officers Insurance (D&O)

Directors And Officers Insurance is a liability insurance policy, payable either to directors and officers of a company or the company itself. A company pays for this coverage so executives can serve confidently as leaders of their organization without fear of personal financial loss.

Embroker helps you get Directors and Officers Insurance to protect the assets of your board of directors from lawsuits related to misuses of company funds, misrepresentations of company assets, breach of fiduciary duty, non-compliance, and more.

Employment Practices Liability Insurance

Embroker helps you get employment practices liability insurance (EPLI) to provide coverage for claims made by employees alleging discrimination (based on sex, race, age, disability), wrongful termination, harassment, and other employment-related issues.

Management Liability Insurance

Get directors & officers (D&O) and employment practices liability insurance (EPLI) in one package, in minutes. Management liability insurance is a package of coverages designed to protect your company and the people leading it from a variety of common business risks.

Embroker’s Management Liability policy offers industry-leading directors & officers (D&O) and employment practices liability insurance (EPLI) to businesses of all sizes and industries.

Workers Compensation Insurance

Workers compensation insurance covers claims from injured employees, including medical expenses, death benefits, lost wages, and rehabilitation. The coverage is a win-win for both the business and the employees.

Embroker helps you get workers compensation insurance. This state-mandated insurance policy covers claims from employee injuries, including medical expenses, death benefits, lost wages, rehabilitation, and more.

General Contractor Insurance

The gig economy is growing and employees are paid through a 1099-MISC tax form as an individual contractor. However, in several incidents, courts ruled that employees who were paid as individual contractors are misclassified and should be compensated through the workers’ compensation fund.

If you own or run a small business or big corporation that interacts with people on a regular basis, or employs more than one person, you should secure adequate workers compensation insurance.

Should an employee be injured on the job, your legal expenses would be completely covered by your worker’s compensation insurance. Plus, your employees would be completely covered for their medical expenses, wages for lost work, and any rehabilitation services.

Businesses need workers compensation insurance because even the best safety precautions sometimes fall short and injuries and illnesses occurring at the workplace or resulting from work are all but inevitable.

If you need general liability insurance for contractors, Embroker can help you get general contractor insurance like workers compensation insurance. This is the foundation for a quality insurance program for any company with employees.

Business Interruption Insurance

Business interruption insurance is insurance coverage that replaces income lost in the event that business is halted due to direct physical loss or damage, such as might be caused by a fire or a natural disaster.

Cyber Liability Insurance

A cyber insurance policy – also referred to as “cyber risk insurance” or “cyber liability insurance” coverage – is a financial product that enables businesses to transfer the costs involved with recovery from a cyber-related security breach or similar events.

Business owners are becoming more aware of the threat that cyberattacks pose to their organizations. Having a strong cybersecurity risk management plan is paramount for any modern business that relies on the Internet to connect with clients and business partners.

Every company needs to create a cybersecurity strategy to protect itself. If you’re facing cyber threats and cyber-attacks, you can implement some best practices to prevent cyber-attacks, improve cybersecurity and improve information security.

But it’s also essential, especially for an online business, to get Cyber Insurance or 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.

In many cases, the policy can also provide access to a panel of top-tier breach coaches and cybersecurity other service providers. Some of the issues that cyber liability insurance typically covers include:

  • Data loss, recovery, and recreation
  • Business interruption/ loss of revenue due to a breach
  • Loss of transferred funds
  • Computer fraud
  • Cyber extortion

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Health & Employee Benefits

Small business health insurance is an important benefit for all small businesses to provide to their employees. Embroker’s employee benefits experts go beyond a one-dimensional spreadsheet so your HR team can put the human back into resources and provide the right medical insurance for employees.

Commercial Crime Insurance

75% of employees admit to stealing at least once from their employer. A commercial crime policy aims to protect your company from losses caused by both third parties or internal employees.

Embroker helps you get commercial crime insurance to protect your business from losses due to crime-related issues such as petty theft, fraud, and burglary committed by both your employees and outside entities such as contractors.

Professional Liability Insurance

Embroker’s Professional Liability (Errors & Omissions) Insurance helps business owners get the right business liability insurance to properly protect your business from civil lawsuits for negligence, common mistakes, malpractice, misrepresentation claims, and more.

Professional liability insurance is commonly known as errors and omissions (E&O), professional indemnity, or malpractice insurance. It is typically the first policy purchased by anyone providing professional services (lawyers, accountants, consultants, etc.) as they realize these claims can be among the most expensive.

Legal Professional Liability Insurance

Embroker provides the first-ever fully-digital lawyer’s professional liability insurance policy – from quote to purchase for your entire practice in 10 minutes.

Also known as lawyers professional liability and legal malpractice insurance, this is the most important insurance policy a lawyer or law firm can purchase. The policy will cover both the firm itself as well as individual attorneys.

Blog Legal Pages & Legal Contracts For Bloggers

Why are blog legal pages so important? If you don’t have your website legal pages for bloggers, you are opening yourself and your business up to legal action. You can also get lawyer-approved contract templates to protect your business, such as:

Business Insurance For Business Owners

Cyber Security Insurance
Cyber Crime Insurance
Employee Health Insurance
Employee Benefits Insurance