What it covers
- D&O, EPL, and fiduciary liability in one suite
- Tech E&O and cyber, primary and excess
- AI discrimination claims under the AI endorsement
- Regulatory investigation defence for AI systems under the endorsement
- Algorithm removal expenses up to $150,000, available before a formal claim, under the endorsement
Watch out for
- The current paper is Everspan Indemnity at A-; the older Munich Re backed programme is historical, not the EMIS paper
- Embroker says the endorsement does not sublimit AI cover generally, but that is the company's own announcement; no specimen wording was available in our research
- If a client leaves Embroker for a broker who is not an Access partner, Embroker's own FAQ says the client may not be able to renew its proprietary products
Who it fits
- Private companies, including startups, that want the management liability stack in one placement
- Clean, standard risks where speed matters
Who it does not fit
- Programmes needing deep excess towers or manuscript wording across many carriers
Frequently asked questions
Can an independent broker place EMIS?
Yes, through Embroker Access, which lets appointed brokers quote, bind, and issue the suite. That makes Embroker both a competitor and a supplier, the only one of the big startup platforms in that position.
What is the algorithm removal benefit?
Up to $150,000 to fix, modify, or remove a flawed AI system at a client's request, available even before a formal claim. It is the most distinctive feature of Embroker's August 2025 AI endorsement.
Source: Program details from Embroker's EMIS launch release (August 19, 2026), its AI endorsement announcement (August 2025), and the Embroker Access site, as compiled in our research checked November 14, 2026.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.