Alternatives to AIG
“AIG” is the marketing name for American International Group, Inc.'s worldwide operations. AIG says insurance products are written or provided by subsidiaries or affiliates; its U.S. legal notice lists multiple U.S.-domiciled property and casualty insurers but does not identify which company would issue a particular commercial policy. When you compare another quote, match the business and requested protection first; a shared coverage label does not establish that the policy terms or eligibility are equivalent. 1,2
Absence from Spot’s documented catalogue does not establish that a coverage line is unavailable from a provider; it means Spot’s research does not yet document it.
What to Weigh
Start with the policy, not the shared line name. Ask each provider to confirm the insured entity, covered operations, limits, exclusions, and any conditions that matter to your risk before treating two quotes as substitutes. 1,2
Compare the route and ongoing service as well as the quote. AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. Ask who can bind the policy, who handles changes and renewals, and where to report a claim. 3
The coverage list is generated from published provider profiles and is a way to find options to investigate. Confirm that the coverage is available for your business and state, and compare the actual policy forms and endorsements before choosing. 1,2
Builders risk
Alliance Risk arranges builders risk insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.Chubb offers builders risk insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoverdash lists builders risk among its property coverage options.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Builder’s risk product page; policy-specific construction terms not established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges builders risk.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper includes builders risk in its construction and contractor insurance offering.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges builders risk.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges builders risk insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Markel builders risk
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableStartupInsurance.ai arranges builders risk insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.Listed for digital-infrastructure projects and in commercial real-estate construction risk.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.WithCoverage reviews builders risk exposures in construction insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Cargo and transit
Alliance Risk arranges inland and ocean marine coverage for goods in transit.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.Chubb offers cargo insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi lists a cargo contractual liability product in its transportation offering.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists motor truck cargo and ocean marine coverage options.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield lists transit and transportation coverage for goods in transit or stored offsite.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Heffernan arranges marine cargo insurance for freight, import and export businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges cargo insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges cargo insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel cargo and transit coverage
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists cargo stock throughput among the coverages its property team handles.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.Travelers offers cargo insurance through its transportation, cargo and logistics offering.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges cargo and transit insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.WithCoverage reviews cargo exposures in consumer-business insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.WTW identifies Global Cargo within its global marine practice and includes cargo risk in its named data-center policy. These descriptions do not establish a particular US placement, insurer, policy wording, or availability.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.
Commercial auto
Alliance Risk arranges commercial auto insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges commercial auto insurance for consumer-product businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Chubb offers commercial auto insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi links to trucking auto-liability coverage from its transportation menu.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists commercial auto in its coverage catalog and invites quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker offers help obtaining commercial auto insurance and invites quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Commercial auto product page; HNOA is not split out.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges commercial auto insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists commercial auto insurance and describes approaching insurers for customers.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges commercial auto insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges commercial auto insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAs of September 16, 2026, Kinro lists commercial auto and describes matching business details to carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges commercial auto insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAs of September 16, 2026, Newfront lists auto liability within its casualty placement services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.StartupInsurance.ai arranges commercial auto insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges commercial auto insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed for government-contracting, transportation and digital-infrastructure exposures.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers commercial auto insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges commercial auto insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Commercial property
Alliance Risk arranges property insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers property coverage within its property and casualty product.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers commercial property insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists commercial property in its coverage catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker offers help obtaining commercial property insurance and invites property quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists property insurance among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Commercial property product page.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges commercial property insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists commercial property insurance and describes approaching insurance companies for customers.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges commercial property insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges commercial property insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAs of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges commercial property insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel commercial property
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAs of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists commercial property insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRisklytics arranges commercial property insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.Offered as part of a BOP, rather than as a standalone policy.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableStartupInsurance.ai arranges commercial property insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges commercial property insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed for real-estate, professional-services and other named commercial sectors.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers commercial property insurance.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers commercial property insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges commercial property insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.As of September 16, 2026, Vouch lists business property for health care and life sciences programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets commercial property insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Crime
Alliance Risk arranges crime insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges employee crime (fidelity) insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers commercial crime insurance.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.named Management Liability coverage and configurable Epack 3 component
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists crime insurance among its main policies.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableNamed Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists crime coverage in its catalog and invites quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists commercial crime and offers a corresponding quote path.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists crime insurance among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges crime insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges crime insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges commercial crime insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges commercial crime insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Cyber 360 eCrime component (standalone product not established)
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAs of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists crime insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges commercial crime insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.StartupInsurance.ai arranges commercial crime insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.Listed as commercial crime or crime/fidelity within specified sectors.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers crime insurance as a management-liability coverage option.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers commercial crime insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges crime insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WTW’s 2024 annual report describes crime insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Cyber liability
Alliance Risk arranges cyber liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges cyber insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Broker5.2/ 10Carrier & MGA7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Beazley offers cyber insurance for small and midsized businesses.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers cyber insurance, including primary and excess products.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers cyber insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers cyber insurance.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists cyber insurance among its business insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists cyber insurance in its coverage catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers standalone and excess cyber products through its insurance-agency business.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists cyber insurance with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists cyber liability among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Cyber product page; policy terms and limits not established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges cyber insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists cyber insurance and describes approaching insurers for customers.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges cyber insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox offers cyber insurance for small businesses.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges cyber insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists cyber liability and compares business details with carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges cyber insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Cyber 360
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges cyber insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront places cyber insurance, negotiates policy wording and provides claims consultation.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie provides access to cyber insurance quotes from carrier partners.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Relm lists cyber insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableResilience markets cyber insurance on a primary or excess basis.
Broker5.0/ 10Carrier & MGAAssessed provider: Resilience. Scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed.RiskCube arranges cyber insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.Add-on for select buyers purchasing another business policy; phone quote route.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableStartupInsurance.ai arranges cyber insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges cyber insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers cyber insurance and data-breach coverage.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges cyber insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists cyber liability in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Directors and officers
Alliance Risk arranges directors and officers liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges directors and officers liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Executive First D&O liability materials describe separate public-company and private-company products.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers directors and officers liability insurance for smaller privately held companies through ForeFront.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists directors and officers insurance among its business insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableDistinct private-company and nonprofit D&O product pages; class and insurer vary by placement.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists directors and officers insurance in its coverage catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists directors and officers insurance with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists directors and officers insurance among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges directors and officers liability.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges directors and officers liability.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges directors and officers liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Kinro lists directors and officers insurance and compares business details with carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges directors and officers liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel private and nonprofit D&O
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges directors and officers liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists D&O for private and public companies within its executive-risk services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists directors and officers liability for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges directors and officers liability insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.StartupInsurance.ai arranges directors and officers liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges directors and officers liability insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers directors and officers liability for private, public and nonprofit organizations.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers directors and officers liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges directors and officers liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists directors and officers insurance in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.Zurich markets directors and officers liability insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Employee health and benefits
Founder Shield lists Employee Health & Benefits among its services.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA).
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan advises employers on group health, dental and vision benefits.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges employee health and benefits programs.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Lockton arranges employee health and benefits programs.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Newfront offers employee-benefits advice and program design, including funding and pharmacy strategies.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Baldwin’s filing attributes employee-benefit services to Insurance Advisory Solutions; commercial-sector pages describe employee-benefit solutions. This is advisory/benefits scope, not a medical plan catalogue.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.USI advises employers on health-plan design, medical costs, pharmacy and benefits administration.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
Employment practices liability
Alliance Risk arranges employment practices liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges employment practices liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers employment practices liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers employment practices liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists employment practices liability among its business-insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableNamed Employment Practices Liability product; examples and policy terms govern.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists employment practices coverage in its quote catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker offers quotes for employment practices liability as an individual coverage.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists employment practices liability among its core coverage services.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges employment practices liability.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges employment practices liability.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges employment practices liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges employment practices liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel employment practices liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges employment practices liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists employment practices liability for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges employment practices liability insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.StartupInsurance.ai arranges employment practices liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges employment practices liability insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed as employment-practices liability for the named commercial sector examples.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers employment practices liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges employment practices liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists employment practices liability within its insurance programs for technology companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets Employment Practices Liability Insurance (EPLI).
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Equipment breakdown
Alliance Risk arranges equipment breakdown insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Chubb offers equipment breakdown insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists equipment breakdown in its quote catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Gallagher arranges boiler and machinery coverage through its property practice.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.HUB International arranges equipment breakdown insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Equipment-breakdown option within property coverage; standalone product not established
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges equipment breakdown insurance, including for data centers.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront offers equipment breakdown solutions through its property practice.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers equipment breakdown insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.
Fidelity bonds
Beazley offers fidelity bonds for financial institutions.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists fidelity bonds for client losses from employee dishonesty on its surety-bond page.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield lists ERISA fidelity bonds among its specialized coverages.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges fidelity bonds.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges employee dishonesty bonds.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Newfront lists fidelity and crime among its executive-risk brokerage coverages.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.TechInsurance arranges fidelity bonds addressing employee theft from clients.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Baldwin’s professional-services coverage snapshot lists commercial crime/fidelity bond; it does not specify bond terms or eligibility.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.Travelers offers ERISA fidelity bonds.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.Vouch lists fidelity bonds among its core protections for financial-services businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Fiduciary liability
Alliance Risk arranges fiduciary liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges fiduciary liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers fiduciary liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists fiduciary liability in its coverage catalog and package options.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableNamed Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists fiduciary coverage in its coverage hub.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists fiduciary liability with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists fiduciary liability among its core coverages.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges fiduciary liability.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges fiduciary liability.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges fiduciary liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges fiduciary liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel fiduciary liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists fiduciary coverage among its executive-risk brokerage services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists fiduciary liability for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges fiduciary liability insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.StartupInsurance.ai arranges fiduciary liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.Listed as fiduciary liability for named commercial-sector audiences.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers fiduciary liability as a management-liability coverage option.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers fiduciary liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges fiduciary liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Zurich markets fiduciary liability insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
General liability
Alliance Risk arranges general liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges general liability insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers general liability insurance in packages such as its environmental-services policy.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers general liability within its property and casualty product.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers general liability insurance within its commercial package products.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi lists commercial general liability among its business insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoterie offers general liability policies for small businesses through its partner distribution.
BrokerCarrier & MGA5.1/ 10Assessed provider: Coterie Insurance. Scope: Coterie brand/platform and Coterie Insurance Agency, LLC as an agency/MGA operation, with exact carrier evidence limited to Spinnaker Insurance Company for eligible Texas coastal BOP risks. No provider-wide rating or universal state-authority conclusion is verified.GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists general liability in its Core Business coverage catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker offers a general liability quote route among its individual business coverages.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists general liability among its core coverage offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Company CGL product page; line-specific CGL membership only.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges general liability insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists general liability in its business-insurance services and quote inquiry.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges general liability insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox offers general liability insurance for small businesses.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges general liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists general liability and compares available carrier options.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges general liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel small-business casualty and property
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges general liability insurance, including for data centers.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo compares general liability quotes from insurance carriers and also offers package options.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront includes general liability in its casualty placement services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie arranges general liability insurance through unaffiliated third-party insurers.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Relm lists general liability insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges general liability insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.Risklytics arranges general liability insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
StartupInsurance.ai arranges general liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges general liability insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed as general liability for professional-services clients and as a consideration for other named business sectors.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers general liability insurance.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers general liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges general liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists general liability among the core coverages in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Hired and non-owned auto
Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Beazley offers hired and non-owned auto coverage within its environmental-services package.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.coverage within Commercial Auto
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCorgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableFounder Shield lists hired and non-owned auto among its specialized coverage offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableHeffernan arranges hired and non-owned auto liability.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Kinro lists hired and non-owned auto for liability questions involving personal or rented vehicles used for business.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.Hired/non-owned auto option in small-business casualty; not commercial auto
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.The Hartford offers hired and non-owned auto coverage.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.
Kidnap and ransom
Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.CFC offers kidnap and ransom insurance, including a specialist marine product.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers kidnap and ransom insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.named Management Liability coverage and configurable Epack 3 component
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCorgi lists kidnap and ransom among its specialized business-insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists kidnap and ransom in its Cyber & Crime coverage catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Gallagher arranges kidnap and ransom insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges kidnap and ransom insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges kidnap and ransom insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Newfront lists kidnap and ransom among its executive-risk coverage services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists kidnap and ransom insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableListed under professional and specialty risk on the real-estate page; no terms or eligibility are specified.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford lists kidnap and ransom/extortion among its management-liability coverage options.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers kidnap and ransom insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges kidnap and ransom insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
Liquor liability
Alliance Risk arranges liquor liability for businesses serving or selling alcohol.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists liquor liability in its Excess & Specialty catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Harper includes liquor liability in its coverage directory and insurance-placement service.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Markel liquor liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.WithCoverage includes liquor liability in its restaurant insurance-program services.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
Management liability
Alliance Risk advises on management-liability packages and standalone options.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers management liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers management liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash arranges management liability insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker markets a management insurance suite for private companies.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Harper arranges management liability insurance through its partner brokerage service.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges management liability insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges management liability insurance through its professional and executive risk practice.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Markel management liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges management liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront arranges management liability insurance for private and public companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers management-liability packages, including Private Choice Premier.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers management liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.WTW’s 2024 annual report describes management-liability solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets a management liability portfolio with multiple distinct lines.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Media liability
Alliance Risk arranges media and advertising liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Beazley offers media liability insurance through MediaTech for small technology and business-services companies.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers media liability insurance for content creators and media businesses.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers media liability insurance through DigiTech ERM for technology companies.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.component of Epack 3 package
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoalition identifies media liability within its Active Cyber policy.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists media liability insurance among its coverage offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash arranges media liability insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield arranges media liability insurance for content creators.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Markel Cyber 360 media liability component (standalone product not established)
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Relm lists media liability insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableTravelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.
Product liability
Alliance Risk arranges product liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges product liability insurance for consumer-product businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Beazley offers product liability insurance for middle-to-large life-sciences organizations.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists primary products and completed-operations liability as a casualty product.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers product liability within its life-science and nutraceutical policies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists product liability in its Excess & Specialty catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker lists product liability insurance for companies that produce, distribute or sell products.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists product liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges product liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper includes product liability in its coverage directory.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.HUB International arranges product liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Lockton arranges product liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel products liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Newfront lists product liability among its casualty placement coverages.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists product liability insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableStartupInsurance.ai arranges product liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.USI arranges product liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists product liability among the core coverages in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage includes product liability in its consumer insurance-program review services.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
Product recall
Alliance Risk arranges product recall insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges product-recall insurance for consumer-product businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Beazley offers product recall insurance through its manufacturing risk product.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.CFC offers product-recall and contaminated-product-recall insurance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers product recall insurance for businesses handling finished consumer goods.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.Coverdash lists product recall in its Excess & Specialty catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Gallagher arranges product-recall insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.HUB International arranges product recall insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Newfront includes product recall in the life-science insurance programs it designs.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.WithCoverage includes product recall in its consumer insurance-program review services.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
Professional errors and omissions (E&O)
Alliance Risk arranges professional liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges professional errors and omissions insurance for startups.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.At-Bay offers primary miscellaneous professional liability insurance.
Broker5.2/ 10Carrier & MGA7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Professional First materials describe a professional-liability portfolio with several professions and service types.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers professional liability insurance for professional-service businesses.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoterie lists miscellaneous professional liability for eligible small businesses in participating states.
BrokerCarrier & MGA5.1/ 10Assessed provider: Coterie Insurance. Scope: Coterie brand/platform and Coterie Insurance Agency, LLC as an agency/MGA operation, with exact carrier evidence limited to Spinnaker Insurance Company for eligible Texas coastal BOP risks. No provider-wide rating or universal state-authority conclusion is verified.Several separately scoped professional-liability programs; do not generalize terms across professions.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Professional E&O product page.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges professional errors and omissions insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges professional errors and omissions insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox offers professional errors and omissions insurance for small businesses.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges professional errors and omissions insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges professional errors and omissions insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel ProBiz miscellaneous E&O
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges professional errors and omissions insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists errors and omissions among its executive-risk coverage services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Relm lists professional errors and omissions insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailable- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
StartupInsurance.ai arranges professional errors and omissions insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges professional errors and omissions insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed as professional liability/E&O for professional-services and government-contractor audiences.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers professional liability insurance for service businesses.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers professional errors and omissions insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges professional errors and omissions insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists errors and omissions among the core coverages in its professional-services programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage includes errors and omissions in its technology insurance-program review services.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
Broker7.0/ 10Carrier & MGAAssessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.Zurich markets professional errors and omissions insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Representations and warranties
Beazley offers representations and warranties insurance.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists Representations & Warranties Insurance within its Transactional Liability products.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers buyer-side and seller-side representations and warranties insurance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.Corgi lists representations and warranties insurance for M&A buyers and sellers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash arranges representations and warranties insurance for mergers and acquisitions.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield lists representations and warranties insurance for mergers and acquisitions.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges representations and warranties insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges representations and warranties insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges representations and warranties insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges representations and warranties insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.The M&A practice says its team can negotiate and place representations-and-warranty policies.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.USI arranges representations and warranties insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.
Technology errors and omissions (E&O)
Alliance Risk arranges technology errors and omissions insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges technology errors and omissions insurance for technology businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
Broker5.2/ 10Carrier & MGA7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Professional First materials identify Technology E&O as a professional-liability product.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers technology errors and omissions for technology businesses.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists technology errors and omissions insurance for technology products and services.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Technology/creative class within broader E&O; no separate technology form established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges technology errors and omissions insurance for technology businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.HUB International arranges technology errors and omissions insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Markel Cyber 360 technology professional liability component (standalone product not established)
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges technology errors and omissions insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Newfront lists technology errors and omissions among its cyber-risk placement coverages.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists technology errors and omissions insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableResilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.
Broker5.0/ 10Carrier & MGAAssessed provider: Resilience. Scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed.RiskCube arranges technology errors and omissions insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.StartupInsurance.ai arranges technology errors and omissions insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.The Hartford offers technology errors and omissions coverage through its FailSafe product.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges technology errors and omissions insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.Zurich markets technology errors and omissions insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Tools, equipment and inland marine
Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.Chubb offers inland marine insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash arranges inland marine insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableHarper arranges inland marine coverage for tools and equipment that leave the shop.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.HUB International arranges inland marine insurance through its marine practice.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro arranges tools and equipment coverage through its inland marine offering.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Markel commercial inland marine
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableRelm lists inland marine insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRisklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
StartupInsurance.ai arranges inland marine insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges inland marine coverage for contractors’ tools and equipment.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers inland marine insurance for midsize and large businesses.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers inland marine insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Trucking
Coverdash lists motor truck cargo and non-trucking liability, two trucking-related coverages, in its Auto & Transport catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Heffernan arranges insurance for trucking and logistics businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges trucking insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Kinro lists trucking insurance addressing auto liability, cargo, physical damage and trucking-specific filings or contract requirements.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.
Umbrella and excess liability
Alliance Risk arranges umbrella and excess liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges umbrella and excess liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.BHSI lists lead umbrella and excess casualty within its U.S. casualty products.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers excess professional liability, general liability and cyber limits for small and micro businesses.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers umbrella and excess liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi lists commercial umbrella liability insurance.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists umbrella and excess liability insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield lists umbrella insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges umbrella and excess liability.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper arranges umbrella insurance.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges excess and umbrella insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges umbrella and excess liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists umbrella and excess liability insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges umbrella and excess liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel excess casualty and umbrella
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Mylo compares commercial umbrella quotes from insurers.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront arranges umbrella and excess liability insurance through its casualty practice.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists excess liability for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRisklytics arranges umbrella insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.StartupInsurance.ai arranges umbrella and excess liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges commercial umbrella insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford lists commercial umbrella insurance among its business coverage options.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers commercial umbrella and excess liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges umbrella and excess liability.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists umbrella among core coverages for technology companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage includes umbrella coverage in its insurance-program reviews, for example for construction businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Workers’ compensation
Alliance Risk arranges workers’ compensation insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges workers’ compensation insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi lists workers’ compensation insurance.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists workers’ compensation insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker arranges workers’ compensation insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT offers workers’ compensation insurance for small businesses.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists workers’ compensation insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Workers’ compensation page; state requirements vary.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges workers’ compensation insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper arranges workers’ compensation insurance.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges workers’ compensation insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges workers’ compensation insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro arranges workers’ compensation insurance and reviews state, payroll and class-code questions.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges workers’ compensation insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Workers Compensation
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo compares workers’ compensation options from insurers.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront arranges workers’ compensation insurance through its casualty practice.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie Insurance offers workers’ compensation insurance for small businesses.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
StartupInsurance.ai arranges workers’ compensation insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. Scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence.TechInsurance arranges workers’ compensation insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers workers’ compensation insurance.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers workers’ compensation insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges workers’ compensation insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists workers’ compensation among core coverages for technology companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.Zurich markets workers’ compensation insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Sources
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Additional Legal Notices. AIG US; Notice to California and Massachusetts Applicants and Insureds; insurer table lines 246–327 and listing disclaimer line 329. Accessed 2026-09-29.
- AIG Login. AIG US; Brokers & Agents: myAIG Portal for North America, lines 71–76; U.S. Producer Appointment and Licensing, lines 100–104. Accessed 2026-09-28.
