# Embroker

**Canonical:** https://apis.io/providers/embroker/  
**Website:** https://www.embroker.com  
**APIs profiled:** 0

Embroker is a San Francisco-based digital business insurance broker and insurtech platform founded in 2015 by Matt Miller, on a mission to make commercial insurance simple, clear, and tailored to each industry. Embroker operates a digital-first online platform where businesses can compare, quote, purchase, and manage commercial insurance policies directly, with industry-specific programs for funded startups, tech companies, law firms, venture capital and private equity firms, financial services professionals, consultants, real estate agents, and small businesses. Its coverage portfolio includes Business Owners Policy (BOP), commercial general liability, professional liability, technology errors and omissions, cyber insurance, directors and officers, employment practices liability, commercial crime, key person, workers compensation, and lawyers professional liability, often bundled into industry packages such as the Startup Bundle, Law Bundle, and MPL Bundle. In 2017 Embroker partnered with Munich Re to underwrite its own digital insurance products; in 2020 it launched Embroker Access for retail and wholesale brokers; and in 2023 it launched Embroker One, an AI- and machine-learning-driven platform for real-time risk assessment and policy recommendations. The company has protected 9,500+ businesses across 16,000+ policies and raised a $100M round in 2021 led by FTV Capital. Embroker's revenue model is brokerage commissions, managing general agent (MGA) underwriting fees on its own products, and platform access for partner brokers; there is no public developer API, SDK, or open-source release — its GitHub organization contains only archived forks of third-party libraries and a small number of internal tooling repositories.

## Kin Score — 18.6 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-4.3 from 22.9).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 43.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Insurance**: 15.2 (matched via tags).

## Agent readiness — 15.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Embroker Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Business Insurance, Commercial Insurance, Insurtech, Digital Insurance, Broker, Managing General Agent, Cyber Insurance, Professional Liability, Directors and Officers, Startups, Law Firms, Risk Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/embroker/). Scores are computed from the provider's own public artifacts under a published rubric.