Embark Launches New Car Insurance Product Tailored to Florida’s Underserved Drivers

Embark was founded in 2018 to develop and manage custom insurance programs in partnership with leading insurance companies, most often for niche or underserved segments. Its non-standard auto program is designed to provide mandatory insurance protection for those who have difficulty finding insurance, such as people with foreign driver’s licenses or those with imperfect payment histories. Embark offers 24/7 online access to police documents and billing, as well as trilingual phone service for its Hispanic and Portuguese customers.

The availability of insurance coverage is a major public issue in Florida. A 2021 study by the Insurance Research Council found that more than 20% of Florida drivers are uninsured, the sixth highest rate of uninsured drivers in the country. Florida has over 15 million licensed drivers, which means over 3 million people are driving without car insurance. According to the Federation of Personal Insurance Floridaan insurance industry advocacy group, the high percentage of uninsured drivers in Florida is caused by high insurance premiums.

Besides, Florida has one of the largest populations of “non-standard” drivers in the United States at 12.5%, after CA (22.5%) and Texas (16.9%) based on AM Best insurance premium data. Non-standard is a classification that insurance companies use to describe drivers whose risk factors make it difficult or impossible to obtain insurance at standard or preferential rates. Embark and its insurance partners bring long-term perspective, insurance expertise and rigor to finding ways to bring affordable insurance to the non-standard automotive segment.

Earlier this year, also as part of its partnership with Incline P&C Group, Embark introduced its non-standard auto insurance product to California, continuing its mission to bring affordable insurance to drivers who need it most. Embark now serves 60% of the US non-standard market, including Florida, California, Texas, Massachusetts, Pennsylvania, Georgiaand Alabama, and plans to continue expanding its availability in other states. Embark is available through a network of licensed independent insurance agents. Insurance agencies interested in dating opportunities may request information on embarkmga.com.


Embark is the smartest next-generation MGA, offering out-of-the-box insurance solutions for its carriers and channel partners. Embark’s deep program expertise spans automotive, real estate, manufactured homes and professional liability, serving both specialties and broad market opportunities. Embark provides comprehensive program management capabilities to its strategic carrier partners, including product management, pricing, compliance, claims, service, policy administration, and distribution management. Founded in 2018, Embark is setting a new bar for the value an MGA can bring to agents, distributors, carriers and reinsurers. It has a team of more than 150 people, with offices in Georgia, California, and remote, with additional service operations in Mexico. For more information, please visit embarkmga.com.


With over 75 years of combined industry experience, Incline P&C Group is the premier service company in the insurance program market. Privately owned and operated with an exclusive focus on the program insurance market, the management team’s experience and expertise combined with effective underwriting discipline and risk management provide each client with diverse platforms and services partners to meet almost any industry need. Partnering with a team that has extensive experience and financial strength is essential when choosing the right program carrier. Incline provides these qualifications and more. Key services include active program management, a disciplined underwriting process, risk management, reinsurance expertise and economic alignment. Founded in 2015, Incline has a team of over 40 employees; whose head office is at Austin, TX with offices at Dallas, TX, Fort Worth, TXand Stamford, Connecticut. To learn more about Incline P&C Group, visit: https://inclinepc.com.

Erin Clark
[email protected]

P&C Incline Group
Shelby Janner
[email protected]
512-298-4081 x702

SOURCE Boarding General

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