Is Alliance Risk Legit? Licensing, Carriers and Reliability

Alliance Risk’s terms define Alliance Risk as Alliance Risk Holding Company LLC and its subsidiary agency, Alliance Risk Insurance Services LLC. The same terms describe the service as insurance brokerage services, not an insurer or policy issuer.⁶

The two names Alliance uses describe one licensee. Every retrieved state record sits under the same National Producer Number, 21240567, and the same business address at 250 W 57th Street, Suite 1301, New York; Texas, Pennsylvania, Colorado, Nevada and Minnesota carry it as Alliance Risk Insurance Services LLC and Georgia as Alliance Risk Insurance Services. That is the subsidiary agency the terms name, and it is the entity assessed here. Alliance Risk Holding Company LLC does not appear as a licensee in any record retrieved.^6,7,8,9,10

The home page says Alliance Risk Insurance Services, NPN 21240567, is a trade name licensed to sell insurance products in all 50 states and the District of Columbia, while the terms say Alliance provides products or services only in select states and limited insurance products. These address different things: one is producer authority, the other is which products the firm chooses to sell. Read that way there is no contradiction, and the terms' commercial limit stands as a separate disclosed restriction on availability.^2,6,3

Six of the fifty states in the published table are independently verified against state licensing records as of 22 September 2026, and all six are current: Georgia Principal Agency - Nonresident 236749, Texas General Lines Agency 3200420, Pennsylvania Producer 1197888, Colorado Non-Resident Agency 869174, Nevada Non-Resident Producer Firm 4060995 and Minnesota Non-Resident Agency 40949827, each Active with property and casualty lines active except Minnesota, whose record lists no active qualifications. The Colorado licence expires on 1 December 2026, within the next review cycle. The other 44 jurisdictions in the table, including California and Wisconsin, remain company-reported, so the 50-state claim is independently verified in those six states and unverified elsewhere.^{7,8,9,10,11,12,3}

Pennsylvania shows licence 1197888 twice, Active as a Producer licence and Inactive as a Non-Resident Producer Agency row effective 10 September 2026. Three unrelated agencies checked in Pennsylvania the same day show the same duplicate pattern and the same date, which reads as a state licence-class change rather than anything specific to Alliance. That reading is an observation across the four records retrieved and was not confirmed with the Pennsylvania regulator; the authority relied on here is the Active Producer row.⁹

The published materials do not provide audited financial statements, capital or liquidity information for Alliance Risk Insurance Services LLC. Alliance’s A-rated-carrier marketing claims do not identify a current insurer, rating action, date or policy-specific issuer, so no carrier grade is assigned to Alliance or to a generic quote.^6,4,2

Alliance Risk’s catalogue describes arranging or advising on many commercial coverages, but the published materials do not identify a single carrier, program administrator or reinsurance relationship for a generic customer transaction. The actual declarations and policy should establish the risk-bearing insurer.^1,6

State appointment records name carriers that the marketing does not. Texas records eleven active property-and-casualty appointments for Alliance Risk Insurance Services LLC, including AmTrust Insurance Company, Berkshire Hathaway Direct Insurance Company, Federal Insurance Company, Hartford Insurance Company of Illinois, Next Insurance US Company, Security National Insurance Company, Technology Insurance Company and Wesco Insurance Company; Nevada records six of the same carriers as active, and Pennsylvania four. These are appointments recorded in those three states, not a national panel and not a statement about which insurer would issue any particular policy. The A-rated-carrier marketing line still names no insurer and is not mapped to any of them.^8,11,9,2

Alliance Risk provides quote and contact routes and says policy, claims and other communications may be delivered electronically. The technology, coverage and quote pages support a brokerage/service workflow and quote-response process, but do not establish underwriting, risk bearing, claims authority or a 24-hour binding commitment. Its terms disclaim warranties about third-party products and direct customers to verify coverage and terms. The cited materials do not establish claims outcomes or a universal claims administrator.^4,5,1,6

Six state licensing records were retrieved and none carries a restriction, suspension or adverse notation. A licence status is not a conduct search: no completed five-year conduct result exists for Alliance Risk Insurance Services LLC in any jurisdiction, and the California lookup could not be completed. This is not a clean-record finding.^7,8,9,3