Embark Holdco Management
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Embark’s verified home offering is focused on newly built homes and appears positioned for builder agencies and approved communities. The official property page states the homeowners product is underwritten by Security First Insurance Company and is tailored for new home builders and their buyers. Published eligibility includes: newly built homes within an approved community only; no prior liability loss; no vicious or exotic animals on premises; no business conducted on premises, with a limited home-daycare exception; minimum 1,000 square feet of living area; and pools must be enclosed by a screen or a 4-foot fence with a self-latching, lockable gate. Day care exposure is only eligible with proof of license and liability coverage, childcare only, adult care not eligible, and maximum 5 children. Practical read: preferred business is new-construction homeowners in approved communities with clean liability history and standard residential occupancy. Restricted/declined indicators include prior liability losses, vicious/exotic animals, business-on-premises exposures outside the stated daycare exception, adult care, larger childcare exposures, homes under 1,000 sq. ft., and inadequately secured pools. Geographic notes are limited on the verified pages; the site references Massachusetts RTA stamp requests on a separate appointment-request form, but that page is not an underwriting appetite page for home and should not be treated as product geography guidance. Submission and producer guidance is light but verified: agents can request appointment through the agent pages, Embark promotes automated real-time quoting, on-demand policy issuance documents (including EOI, RCE, and invoice), effective-date change capability, credit-card payment options, mortgagee billing, and immediate policy issuance. Home underwriting contact published on the official contact page is newhomeuw@embarkgeneral.com, with sales/compliance contact at newhomecompliance@embarkgeneral.com. Broker/producer notes: Embark markets to independent agents, emphasizes stable pricing/underwriting appetite, competitive compensation, and top-rated carriers; producer onboarding appears to run through the Become an Agent / appointment workflow rather than a detailed downloadable appetite guide.