Embroker API
Embroker is a digital business-insurance platform that quotes, binds, and manages tech E&O, cyber, D&O, EPLI, professional liability, and program coverages for startups, tech companies, law firms, and other businesses. An unofficial API lets you programmatically pull policies, quotes, applications, certificates, and billing records—and push updates like new applications, excess Tech E&O / Cyber quotes through Embroker Access, and bind requests back into Embroker.
What is Embroker?
Embroker is a digital-first business insurance platform that pairs technology-driven quoting with broker guidance, intelligently recommending industry-tailored coverage and binding policies through a unified application. Businesses use Embroker to buy and manage tech errors and omissions, cyber, directors and officers, employment practices liability, professional liability, and other commercial lines—while Embroker Access, its distribution arm, brings proprietary programs and an API to brokers and multi-carrier platform partners.
Core product areas include:
- Tech Errors & Omissions and Cyber Liability (including Excess Tech E&O / Cyber up to $5M with true follow-form coverage)
- Management Liability: Directors & Officers (D&O) and Employment Practices Liability (EPLI)
- Embroker Startup Program (ESP) bundling D&O, EPLI, and Cyber for funded startups
- Lawyers Professional Liability and Professional Liability
- Business Owners Policy, General Liability, Commercial Crime, Key Person, and Workers Compensation
- Embroker Access (distribution division) and its API for brokers and multi-carrier platform providers
Common data entities:
- Applications, Quotes, Policies, Endorsements, Coverages
- Insureds, Accounts, Contacts, Industry Profiles
- Certificates of Insurance, Documents, Forms, Attachments
- Invoices, Payments, Billing Accounts, Renewals
- Brokers/Agents, Appointments, Submissions (Embroker Access)
The Embroker Integration Challenge
Businesses and brokers run quoting, binding, and policy management on Embroker daily, but turning its portal- and application-driven workflows into API-driven automation is non-trivial:
- Portal-first experience: Quoting, applications, and policy management run primarily through the web app at app.embroker.com rather than a broadly published self-serve API
- Partner-gated API access: Embroker Access exposes Excess Tech E&O / Cyber quoting to appointed brokers and multi-carrier platform providers, requiring distribution agreements before integration
- Program-specific object models: ESP, Lawyers Professional Liability, and excess layers each carry their own application questions, IDs, and lifecycle states
- Follow-form and sub-limit logic: Excess Tech E&O / Cyber automatically matches the sub-limits of the primary layer, so integrations must capture and align primary quote data
- Authenticated sessions and MFA: Broker and account logins protect sensitive insureds and policy data, complicating headless automation
- Document and certificate workflows: Policy documents, certificates of insurance, and signed applications need careful upload/download and template handling
How Supergood Creates Embroker APIs
Supergood reverse-engineers authenticated browser flows, the Embroker app, and Embroker Access partner interactions to deliver a resilient API layer for your Embroker account—across quoting, binding, and policy management.
- Handles username/password and MFA (SMS, email, TOTP) securely
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across Applications, Quotes, Policies, Certificates, and Billing so you integrate once and rely on consistent objects
- Aligns with program-specific application questions, follow-form excess logic, and broker entitlements to ensure compliant access
Use Embroker with AI agents: Embroker MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your products, programs, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Embroker adapter tailored to your account configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Embroker evolves.
API Endpoints
Authentication
/authenticateAuthenticate to an Embroker account using username/password, or MFA and obtain a session token for downstream calls.
Policies
/policiesList policies across coverage lines with filters for product, program, status, and effective date range.
Quotes
/create_quoteSubmit an application and generate a quote, including Excess Tech E&O / Cyber follow-form quotes through Embroker Access.
Applications
/applicationsRetrieve applications and submissions with their program, underwriting status, and required questions.
Certificates
/certificatesPull certificates of insurance and policy documents for an insured with holder and coverage details.
Billing
/billingPull billing accounts, invoices, and payment activity across active policies and renewals.
Use Cases
Sync policy and quote data into your systems
- Pull active policies, endorsements, and coverages across tech E&O, cyber, D&O, and EPLI into a single warehouse - Stream quote and application status changes to downstream BI and sales tools - Reconcile insured, account, and contact records for a unified customer 360
Automate Excess Tech E&O / Cyber quoting via Embroker Access
- Capture primary quote data and request follow-form excess quotes up to $5M without portal clicks - Auto-align excess sub-limits to the primary layer for true follow-form coverage - Route bind and issue requests to appointed brokers and partner platforms
Streamline certificates and document workflows
- Generate and pull certificates of insurance for insureds and holders on demand - Download policy documents, applications, and forms into a central repository - Trigger renewal and endorsement document handling automatically
Reconcile billing and renewals
- Sync invoices and payments from Embroker into accounting and AR systems - Surface upcoming renewals and delinquent accounts to retention workflows - Match premium and policy changes against billing records for audit
Technical Specifications
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated browser flows plus Embroker Access partner endpoints where exposed to appointed brokers
Response format
Normalized JSON across Applications, Quotes, Policies, Certificates, and Billing objects
Rate limits
Adaptive throttling tuned to your account to avoid carrier-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for policies, quotes, and billing with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for quote issuance, policy binding, endorsement, and billing changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through quoting and binding workflows
Throughput
Horizontally scaled workers sized to multi-program quoting and policy volume
Reliability
Retry, backoff, and idempotency keys for quotes, bind requests, and billing adjustments
Adaptation
Continuous monitoring of Embroker app changes, program updates, and Embroker Access configuration drift
Frequently asked questions
Yes. Supergood normalizes data across direct Embroker coverage lines and Embroker Access programs such as Excess Tech E&O / Cyber and Lawyers Professional Liability, so you integrate quotes, applications, and policies once across both.
For your own account data, no—Supergood works with your existing Embroker login and authenticated sessions. An Embroker Access appointment is only required when you specifically want to quote and bind the partner-distributed programs it brokers.
Supergood captures the primary layer's quote data and aligns excess sub-limits to match it, preserving the true follow-form behavior of Embroker Access excess coverage up to $5M rather than forcing a generic schema.
Yes. Certificates, policy documents, applications, and forms are exposed through the normalized API surface so you can generate and retrieve them programmatically for insureds and holders.
Each program—ESP, Lawyers Professional Liability, Tech E&O / Cyber, and management liability—is profiled against its own application questions and lifecycle states, so Supergood preserves program-specific fields rather than flattening them.