Introduction
Counterpart and Layr describe different quote routes: quote entry whose binding route remains unclear and online quote entry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 21
Coverage Comparison
| Coverage | Counterpart | Layr |
|---|---|---|
| Crime | Listed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. | Not listed |
| Directors and officers | Listed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. | Not listed |
| Employment practices liability | Listed 11Named Employment Practices Liability product; examples and policy terms govern. | Not listed |
| Fiduciary liability | Listed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. | Not listed |
| General liability | Listed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. | Not listed |
| Medical malpractice | Listed 15Allied healthcare liability for named classes; not universal conventional malpractice. | Not listed |
| Professional errors and omissions (E&O) | Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions. | Not listed |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Counterpart
BrokerBroker
No Spot Score
Assessment subject unavailable
Layr
BrokerBroker
5.6/ 10Assessed provider: Layr. Scope: Layr Holdings, Inc. as a broker-facing insurance technology and licensed support/agency operation, with the platform's broker-of-record and commission workflow; no carrier underwriting or policyholder-surplus role is included.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart
Review Score
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsLayr
Review Score
Layr has no customer reviews of its insurance service yet. Its Trustpilot profile has no reviews, and its only rating is one review of its broker software.[11][10]
Read Layr reviewsKey Differences Between Counterpart and Layr
Business Fit and Roles
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. 26,18,19,22Company-reported. Entity and functional roles in current public materials. The precise producer role can depend on the partner arrangement and proposed policy.
The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 Layr's published material says: Layr provides insurance workflow software and licensed support for independent brokerages serving small-commercial accounts. 19 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 26
Getting a Quote
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. 21,28Conflicting sources. Company-described digital workflow. No form was completed and no quote, payment or underwriting decision was requested during research.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 21
Service After Binding
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.
Layr markets a white-labeled portal with licensed support and broker dashboard updates for policies, renewals, claims and payments. A company release also describes policyholder access to documents, quotes, claims, certificates, bills and electronic payments. 22,29Company-reported. Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 22
What to Confirm in Quotes
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 26
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 21
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 22
Compare Services
What each provider documents about the services you may need
| Criteria | Counterpart | Layr |
|---|---|---|
| Business role | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. | Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. 26,18,19,22Company-reported. Entity and functional roles in current public materials. The precise producer role can depend on the partner arrangement and proposed policy. The reviewed sources identify Layr Holdings, Inc., its leaders and several investors, but do not disclose a current controlling parent or ownership percentages. 26,27,29Not found in reviewed sources. Current website operator and public ownership review. Investor participation is not treated as control, and no independence claim is made. Layr says a participating brokerage can offload small-business sales, service and support to Layr while retaining broker-of-record status and 100% of its commissions. 19,23Company-reported. Broker-facing Layr Apex arrangement as marketed publicly; actual allocation of duties and compensation depends on the brokerage agreement. |
| Application process | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. | Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. 21,28Conflicting sources. Company-described digital workflow. No form was completed and no quote, payment or underwriting decision was requested during research. |
| Servicing and renewals | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service. | Layr markets a white-labeled portal with licensed support and broker dashboard updates for policies, renewals, claims and payments. A company release also describes policyholder access to documents, quotes, claims, certificates, bills and electronic payments. 22,29Company-reported. Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested. Layr says its team gathers updates, negotiates renewal terms with underwriters and finalizes renewal documents. It describes automatic-renewal policies as hands-free and says customers whose policies need updated information are alerted 60 days before renewal. 23Company-reported. Current FAQ description. It does not state the notice needed to stop an automatic renewal or guarantee a renewal offer. |
Related Reading
Sources
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
Layr Official Website
- Grow Your Broker Profits. Layr; Homepage service proposition; broker audience; footer naming Layr Holdings, Inc.; official logo asset. Accessed 2026-09-15.
- Software for Insurance Brokers & Agents. Layr; Streamlined Efficiency; Reduce the Drag: Layr handles sales, service and support while the brokerage retains broker-of-record status and commissions. Accessed 2026-09-15.
- The Team Improving Insurance Technology. Layr; Mission; small-business market; broker-focused technology; leadership and investor logos. Accessed 2026-09-15.
- New Business Capture from Layr — Quote Policies in 10 Min. Layr; Faster Quotes hero and official SmartQuote illustration listing General Liability, Commercial Auto Liability, Property, Workers Compensation, Umbrella, and Cyber Liability & Data Breach. Accessed 2026-09-15.
- Online Portal with Cyber Security for Insurance Companies. Layr; Layr Apex introduction; licensed support team; policyholder activity, portfolio and white-label dashboard descriptions; official dashboard asset. Accessed 2026-09-15.
- Insurance Technology Frequently Asked Questions. Layr; Product library; carrier and wholesaler access; renewal process and 60-day collection timing; white labeling; premium-based compensation. Accessed 2026-09-15.
- Cyber Liability Insurance. Layr; Policy Overview; Key Protected Threats; Coverage Details; online-purchase call to action (page no longer available as of 15 September 2026). Accessed 2026-09-15.
- Explanation of Pricing. Layr; Simplified Pricing: carrier commissions and business finance fee up to 20% of premium; flexible payments, portal and certificate descriptions. Accessed 2026-09-15.
- Terms of Use. Layr; Service operated by Layr Holdings, Inc.; Purchases; Availability, Errors and Inaccuracies; Accounts; last updated 1 April 2018. Accessed 2026-09-15.
- Leadership Team. Layr; Current leadership and investor-logo section. Accessed 2026-09-15.
- Layr Welcomes New CEO Mark Hara. Layr; 17 October 2024 announcement: broker and agency audience, small-business selection and payment workflow, underwriting handoff, and brokerages across the U.S. Accessed 2026-09-15.
- Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers. Layr via GlobeNewswire; 1 November 2023 company release: financing participants, broker-facing business model, licensed support, policyholder portal functions. Accessed 2026-09-15.
- Parcel Pro Customers Now Have Access to Additional Insurance Solutions Through Layr. Layr; 2021-branded referral page: policy list, online application, portal, financing and certificate claims (cyber page no longer available as of 15 September 2026). Accessed 2026-09-15.
- Licensed Property and Casualty Agencies. Massachusetts Division of Insurance; 2026 list entry for Layr Holdings, Inc., license 17853851, original approval 17 March 2021, renewal date 17 March 2027. Accessed 2026-09-15.
