Journal

Journal

Notes, stories and ideas for mutual leaders, from the Ember team.

Branch and Innovated Holdings Launch Ember

Built to Strengthen Mutual Insurers’ Independence and Operating Capacity [Columbus, OH] — January 15, 2026 — As mutual insurance carriers across the country grapple with unprecedented challenges — from catastrophic weather losses to rising reinsurance costs and operational constraints…

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Meet Ember

One of the oldest ideas in insurance is also one of the simplest. Neighbors helping neighbors. Long before insurance became a maze of fine…