What Are the Key Differences Between Alliance Risk and Embroker Business Owner’s Policy?
Who Qualifies and How You Buy
Embroker's cutoffs are hard numbers: fewer than 100 employees and less than $10 million in annual revenue, and a home office counts as a location. Alliance Risk publishes no size cap; it names retail, restaurants, contractors, healthcare and wellness businesses with customer foot traffic, and you start with an online form or a scheduled consultation. Choose Embroker if you're a small office or remote team inside its limits and want to quote online; choose Alliance Risk if you run a storefront, restaurant, contracting business or clinic and want a broker to place it. [3] [2]
What You'll Still Need to Buy Separately
Both leave the same big gaps. Alliance Risk excludes professional liability, workers’ compensation, commercial auto, flood and earthquake. Embroker excludes cyberattacks, professional liability, employment claims and criminal acts, and says workers’ comp and commercial auto usually need their own policies. Budget for those lines with either provider. [2] [3]
How You Add Cyber and EPLI
Alliance Risk adds cyber and employment practices liability (EPLI) as BOP endorsements. Embroker adds EPLI, professional liability and property extras such as spoiled merchandise or mechanical breakdown as endorsements, but sells cyber as a separate packaged policy. With Embroker, expect a second policy and premium for cyber. [2] [3]
What Should You Confirm in Alliance Risk and Embroker Business Owner’s Policy Quotes?
- Ask Alliance Risk whether cyber and EPLI appear on the BOP as endorsements, and ask Embroker what the separate cyber policy adds to your total cost. [2] [3]
- Check your headcount and revenue against Embroker’s under-100-employee and under-$10 million limits before you apply. [3]
- Ask Alliance Risk to quote flood and earthquake separately if your location needs them. [2]
- Ask both which insurer issues the policy. [2] [3]