---
title: "How Reliable Is Beazley?"
description: "Beazley reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/beazley/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-providers/beazley/reliability)

# How Reliable Is Beazley?

Beazley reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Hybrid role

- **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.

This partial Broker Spot Score covers identity and authority within the stated scope. It uses 30% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **6.8/10**
- **Role:** Hybrid role
- **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:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **30%** of this role’s weighting included. Included: Identity and Authority. Excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.; Disclosure Clarity: The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries..

This partial Carrier & MGA Spot Score covers identity and authority, claims and servicing, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Carrier & MGA Spot Score:** **5.7/10**
- **Role:** Hybrid role
- **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:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Identity and Authority, Claims and Servicing, Disclosure Clarity. Excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Beazley](/insurance-providers/beazley)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Beazley plc | Group company and publisher of the Beazley website; group financial evidence is not automatically US policy-issuer evidence. | [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf) |
| Beazley USA Services, Inc. | US insurance-services entity, National Producer Number 7896601, verified in Texas as an active General Lines Agency, Surplus Lines Agency and Property & Casualty Adjuster. It is the only one of the four US entities the US terms give a California licence number for, 0G55497. | [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Insurance Company, Inc. | Connecticut-domiciled US insurer, NAIC 37540, described in the group annual report as one of Beazley's two primary US carriers and a subsidiary of Beazley Holdings, Inc. Independently confirmed active in Georgia since 1980, Texas since 1981, Pennsylvania since 1983 and Colorado since 1995. | [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Excess and Surplus Insurance, Inc. | Connecticut-domiciled US surplus-lines insurer, NAIC 17520, described in the group annual report as the other primary US carrier. State records show it on different footings by state: surplus lines in Pennsylvania and Colorado, and accredited reinsurer in Texas. | [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley America Insurance Company, Inc. | Connecticut-domiciled US insurer, NAIC 16510, named in the US terms and the ratings table and independently confirmed active in Georgia, Texas, Pennsylvania and Colorado. Not mapped to any particular Beazley product in the reviewed material. | [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Research summary

Beazley's US terms name four Connecticut-domiciled US entities and give a California licence number only to Beazley USA Services, Inc. State records confirm Beazley Insurance Company, Inc. and Beazley America Insurance Company, Inc. as authorised insurers in Georgia, Texas, Pennsylvania and Colorado, confirm Beazley Excess and Surplus Insurance, Inc. on a surplus-lines footing in Pennsylvania and Colorado and as an accredited reinsurer in Texas, and confirm Beazley USA Services, Inc. as an active Texas agency, surplus-lines agency and property-and-casualty adjuster. The group reports 281% Solvency II coverage at December 2025 against 264% a year earlier, but no US statutory capital, no product-to-carrier map and no programme reinsurance terms are available. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf)

### Legal Identity

Beazley plc publishes the group site, while US terms identify Beazley USA Services, Inc. and related insurance entities. Beazley's ratings table lists Beazley Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as rated US entities; product and state issuer scope remains specific to the policy. [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/)

The US terms of use settle the entity list: the web services are owned and operated by Beazley Insurance Company, Inc., Beazley USA Services, Inc., Beazley Excess and Surplus Insurance, Inc. and Beazley America Insurance Company, Inc., all four with a Connecticut principal place of business and Connecticut domicile, and only Beazley USA Services, Inc. carries a California insurance licence number in that table. The group annual report names Beazley Excess and Surplus Insurance, Inc. and Beazley Insurance Company, Inc. as Beazley's primary US carriers and subsidiaries of the US holding company, Beazley Holdings, Inc. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf)

### Licensing

The US terms disclose California license 0G55497 for Beazley USA Services, Inc. The number is recorded as company-reported because current California authority was not independently established, and no national license list was established in the reviewed sources. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch)

Wisconsin regulator guidance identifies the relevant business-entity and company lookup paths; current Beazley authority was not independently established there. [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

State records retrieved on 22 September 2026 establish current authority for all three US insurers and for the services entity, and show that the footing differs by state. Beazley Insurance Company, Inc. (NAIC 37540) is active in Georgia since 1980, Texas since 1981, Pennsylvania since 1983 and Colorado since 1995; Beazley America Insurance Company, Inc. (16510) in all four since 2020. Beazley Excess and Surplus Insurance, Inc. (17520) is recorded as a surplus-lines company in Pennsylvania and Colorado but as an accredited reinsurer in Texas, and returned no Georgia record. Beazley USA Services, Inc., NPN 7896601, holds an active Texas General Lines Agency licence 1635027, Surplus Lines Agency licence 1635030 and Property & Casualty Adjuster licence 1981226. These are four states out of fifty-one and no product is mapped to an entity by them. [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Financial Strength

Beazley's ratings page lists an A (Excellent) AM Best financial-strength rating and Class XV financial-size category for Beazley Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc.; it lists BESI with a Fitch financial-strength rating of A+ and issuer-default rating of A. These ratings are entity-specific disclosures but do not establish the issuer of every US product. [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/)

Beazley plc's 2025 annual report reports an estimated group Solvency II coverage ratio of 281% at December 31, 2025. That group measure and the audited group accounts do not equal statutory capital or surplus for Beazley Insurance Company, Inc. or Beazley Excess and Surplus Insurance, Inc. [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf)

The group's own capital disclosure runs across two periods: estimated Solvency II coverage of 281% at 31 December 2025 against 264% a year earlier, on an internal model approved by the Central Bank of Ireland, with group profit before tax of $1,146.5m against $1,423.5m in 2024. Beazley states that this capitalisation is what secures the AM Best and Fitch ratings for its named US and Irish carriers. All of that is group-level and reported by Beazley: it is not statutory capital or surplus for Beazley Insurance Company, Inc. or Beazley Excess and Surplus Insurance, Inc., and no US statutory annual statement for either was obtained. What is independently established for the US carriers is authorisation, not capital. [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Risk Bearing

US specialty pages describe coverage and placement paths. The named policy, not a product page, identifies the insurer. The reviewed sources do not disclose a complete product-by-state issuer map, capacity shares or reinsurance terms. [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/)

Beazley's evidenced US risk-bearing structure is entity-level, not programme-level. Two admitted carriers and one surplus-lines carrier are authorised in the verified states, with Beazley Excess and Surplus Insurance additionally recorded as an accredited reinsurer in Texas and a non-admitted reinsurer in Colorado. Nothing in the reviewed material assigns a product such as MediaTech or any other US small-business programme to a particular one of those carriers, in a particular state, and no reinsurance, fronting or capacity terms are disclosed for any programme. The Lloyd's syndicate ratings on the ratings page belong to syndicates 623, 2623, 3622 and 3623 and are not evidence that a US policy is written on syndicate paper. [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Legal Information](https://www.beazley.com/en-us/legal-information-en/)

### Claims Service

Beazley directs policyholders to submit a notice of loss and provides US claims contacts. This establishes a documented notice route; the policy and applicable claims administrator still determine the specific claims obligations and process. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/)

Responsibility for claims is traceable one step and no further. Beazley tells policyholders to check the policy first and gives claims@beazley.com as the US notice route, without a service commitment or a response time. Beazley USA Services, Inc. holds an active Texas Property & Casualty adjuster licence, which evidences in-house adjusting authority in Texas; no other state's adjusting authority is independently established, and no third-party administrator is named for any US programme. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Regulatory Record

The reviewed sources establish entity and product disclosures but do not establish a completed five-year conduct result for each named Beazley US entity. Current restrictions, orders and complaints therefore remain unresolved research items rather than negative findings. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

Thirteen state company and agency records were retrieved on 22 September 2026 across the four US entities and none carries a restriction, suspension or adverse notation. A licence or authorisation status is not a conduct search, and no completed five-year conduct result exists for any named Beazley US entity. [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Beazley USA Services, Inc. | California | State license | 0G55497 | as disclosed in US web terms | Given in the US terms table as the only California insurance licence number among the four named US entities; the California regulator lookup could not be completed on 22 September 2026 | Company-reported | 2026-09-22 | [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/) |
| Beazley USA Services, Inc. | US | National Producer Number | 7896601 | National Producer Number | Identifier on the Texas record; an NPN does not by itself establish authority in any state | Active | 2026-09-22 | [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley USA Services, Inc. | TX | State license | 1635027 | General Lines Agency | Texas record retrieved 22 September 2026 shows Status Active to 07-21-2027 with the Property and Casualty qualification active | Active | 2026-09-22 | [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley USA Services, Inc. | TX | State license | 1981226 | Adjuster | Texas record retrieved 22 September 2026 shows Status Active from 02-19-2015 with the Adjuster - Property & Casualty qualification active | Active | 2026-09-22 | [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley USA Services, Inc. | TX | Surplus-lines authority | 1635030 | Surplus Lines Agency | Texas record retrieved 22 September 2026 shows Status Active from 07-21-2010 | Active | 2026-09-22 | [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Insurance Company, Inc. | GA | NAIC company code | 37540 | Property and Casualty company authorisation | Georgia company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 07-01-1980 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Insurance Company, Inc. | TX | NAIC company code | 37540 | Fire and Casualty company authorisation | Texas company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 11-04-1981 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Insurance Company, Inc. | PA | NAIC company code | 37540 | Casualty company authorisation | Pennsylvania company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 04-01-1983 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Insurance Company, Inc. | CO | NAIC company code | 37540 | Multiple Line company authorisation | Colorado company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 06-18-1995 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley America Insurance Company, Inc. | GA | NAIC company code | 16510 | Property and Casualty company authorisation | Georgia company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 05-11-2020 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley America Insurance Company, Inc. | PA | NAIC company code | 16510 | Casualty company authorisation | Pennsylvania company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 05-28-2020 | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Excess and Surplus Insurance, Inc. | PA | NAIC company code | 17520 | Surplus Lines company authorisation | Pennsylvania company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 04-12-2024, Active Company Types Surplus Lines and Reinsur - Qualified Unlicensed | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Excess and Surplus Insurance, Inc. | CO | NAIC company code | 17520 | Surplus Lines company authorisation | Colorado company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 11-17-2023, Active Company Types Surplus Lines and Non Admitted Reinsurer | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Beazley Excess and Surplus Insurance, Inc. | TX | NAIC company code | 17520 | Accredited reinsurer authorisation | Texas company record retrieved 22 September 2026 shows Domicile State Connecticut, Active Since 11-30-2023, Active Company Type Reinsurer-Accredited effective 05-16-2024. Texas records this entity as an accredited reinsurer, not as a surplus-lines insurer | Active | 2026-09-22 | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | The California business-name lookup for Beazley USA Services, Inc. was attempted on 22 September 2026 and could not be completed, so current authority was not established. | [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch) |
| WI | Not researched | Reviewed Wisconsin OCI lookup instructions without establishing a Beazley result. | [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) |
| US | Not researched | Four jurisdictions are reconciled to state records. No national reconciliation is completed and the company publishes no national licence list. | [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/) |
| GA | Verified | Beazley Insurance Company, Inc. (NAIC 37540) active as Property and Casualty since 07-01-1980 and Beazley America Insurance Company, Inc. (16510) since 05-11-2020; no record returned for Beazley Excess and Surplus Insurance, Inc. | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| TX | Verified | Both admitted carriers active as Fire and Casualty; Beazley Excess and Surplus Insurance, Inc. active as Reinsurer-Accredited effective 05-16-2024; Beazley USA Services, Inc. active as General Lines Agency, Surplus Lines Agency and Property & Casualty Adjuster. | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| PA | Verified | Both admitted carriers active as Casualty; Beazley Excess and Surplus Insurance, Inc. active with Surplus Lines effective 04-12-2024 and Reinsur - Qualified Unlicensed effective 01-20-2025. | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CO | Verified | Both admitted carriers active as Multiple Line; Beazley Excess and Surplus Insurance, Inc. active with Surplus Lines effective 11-17-2023 and Non Admitted Reinsurer effective 07-08-2024. | [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Rating dimensions

### Broker Spot Score

Included weighting: **30%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)
- **Disclosure Clarity:** The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries. [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Identity and Authority | 2.71 | 30% | 6.77 | [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

### Carrier & MGA Spot Score

Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Financial Resilience:** The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role. [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Identity and Authority | 2.58 | 15% | 2.15 | [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Claims and Servicing | 1.99 | 20% | 2.21 | [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Disclosure Clarity | 2.43 | 10% | 1.35 | [Legal Information](https://www.beazley.com/en-us/legal-information-en/), [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/), [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/), [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/) |

## Evidence gaps

- Independent confirmation of Beazley USA Services, Inc. California licence 0G55497; the state lookup could not be completed on 22 September 2026.
- Current authority is not independently established for forty-seven jurisdictions for any Beazley entity, and no company-published national licence list exists.
- US statutory financial statements, capital and surplus for Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. The 281% Solvency II figure and the profit-before-tax figures are group measures reported by Beazley plc.
- A product-by-state map showing which Beazley US entity issues which programme. No reviewed source assigns any named product to an issuing carrier.
- Reinsurance, fronting or capacity terms behind any Beazley US programme, including any intra-group reinsurance between the US carriers and the Lloyd's syndicates.
- Rating action dates: the ratings page shows grades and outlooks but no effective dates, and AM Best's own site could not be opened.
- No Georgia company record was returned for Beazley Excess and Surplus Insurance, Inc.; its Georgia footing is unresolved rather than absent.
- A defined five-year regulatory search for the named US entities.

## Related terms

- [What Is a Full-Stack Insurance Provider?](/insurance-glossary/full-stack-insurance-provider)
- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Legal Information](https://www.beazley.com/en-us/legal-information-en/) — Beazley; Beazley plc identity; US jurisdiction, surplus-lines and policy-wording qualifications; accessed 2026-09-21.
- [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/) — Beazley; US Web Services Terms of Use, text extracted 22 September 2026: 'These Web Services are owned and operated by Beazley Insurance Company, Inc., Beazley USA Services, Inc., Beazley Excess and Surplus Insurance, Inc., and Beazley America Insurance Company, Inc. on behalf of itself and its affiliates'. The entity table gives all four a Connecticut principal place of business and Connecticut state of domicile, and shows a California insurance licence number only for Beazley USA Services, Inc., 0G55497; the other three are listed N/A.; accessed 2026-09-22.
- [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/) — Beazley; Notify a Claim, re-read 22 September 2026: 'When reporting a claim to Beazley, in the first instance you should check your policy for guidance'; notice-of-loss form and regional claims addresses, with claims@beazley.com for the US. No service commitment, response time or named claims administrator is given.; accessed 2026-09-22.
- [Beazley Annual Report 2025](https://prod.dxp.beazley.com/globalassets/ir-documents/annual-reports/annual-report-2025/annual-report-and-accounts.pdf) — Beazley plc; Beazley plc Annual Report and Accounts 2025, text extracted 22 September 2026: group profit before tax $1,146.5m (2024: $1,423.5m) with a 77.3% combined ratio; estimated group Solvency II coverage of 281% at 31 December 2025 (31 December 2024: 264%), calculated on the internal model approved by the Central Bank of Ireland; the capital section states that capitalisation 'ensures we achieve adequate ratings from A.M. Best and/or Fitch for Beazley Insurance Company, Inc. (BICI), Beazley America Insurance Company Inc. (BAIC), Beazley Excess and Surplus Insurance Company, Inc (BESI), Beazley Insurance dac (BIDAC) and Beazley Bermuda Insurance Limited (BBIL)'; governance section describes 'Beazley Excess and Surplus Insurance, Inc. and Beazley Insurance Company, Inc., our primary insurance carriers in the US and subsidiaries of the US holding company', Beazley Holdings, Inc.; accessed 2026-09-22.
- [Ratings](https://www.beazley.com/en-150/investor-relations/ratings/) — Beazley; Ratings table, re-read 22 September 2026: Beazley Insurance Company, Inc. and Beazley America Insurance Company, Inc. each AM Best financial-strength rating A (Excellent), stable outlook, financial size category Class XV ($2bn+). Beazley Excess and Surplus Insurance, Inc. AM Best A (Excellent) stable and Class XV, Fitch financial-strength rating A+ stable and S&P issuer default rating A stable. Syndicates 623/2623/3622/3623 carry the Lloyd's market ratings of AM Best A+, Fitch AA- and S&P AA-. No rating action dates are shown on the page.; accessed 2026-09-22.
- [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch) — California Department of Insurance; California regulator lookup route for the named entity or identifier; current authority was not independently established as of 2026-09-21.; accessed 2026-09-21.
- [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path.; accessed 2026-09-21.
- [State Company Consumer Inquiries - Beazley US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Georgia, Texas, Pennsylvania and Colorado insurance licensing lookup; Company Consumer Inquiries retrieved 22 September 2026, all three entities Domicile State Connecticut. Beazley Insurance Company, Inc., NAIC 37540: Georgia Active Since 07-01-1980, Property and Casualty; Texas Active Since 11-04-1981, Fire and Casualty; Pennsylvania Active Since 04-01-1983, Casualty; Colorado Active Since 06-18-1995, Multiple Line. Beazley America Insurance Company, Inc., NAIC 16510: Georgia Active Since 05-11-2020, Property and Casualty; Texas Active Since 01-15-2020, Fire and Casualty; Pennsylvania Active Since 05-28-2020, Casualty; Colorado Active Since 04-27-2020, Multiple Line. Beazley Excess and Surplus Insurance, Inc., NAIC 17520: Texas Active Since 11-30-2023, Active Company Type Reinsurer-Accredited effective 05-16-2024; Pennsylvania Active Since 04-12-2024, Active Company Types Surplus Lines effective 04-12-2024 and Reinsur - Qualified Unlicensed effective 01-20-2025; Colorado Active Since 11-17-2023, Active Company Types Surplus Lines effective 11-17-2023 and Non Admitted Reinsurer effective 07-08-2024. No Georgia record was returned for Beazley Excess and Surplus Insurance, Inc.; accessed 2026-09-22.
- [Texas Firm Consumer Inquiry - Beazley USA Services, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: BEAZLEY USA SERVICES, INC., National Producer Number 7896601, 65 Memorial Road Suite 320, West Hartford, CT; General Lines Agency licence 1635027, Status Active, original issue 07-21-2010, expiration 07-21-2027, Property and Casualty qualification Active; Adjuster licence 1981226, Status Active from 02-19-2015, Adjuster - Property & Casualty qualification Active; Surplus Lines Agency licence 1635030, Status Active from 07-21-2010. No carrier appointments are listed.; accessed 2026-09-22.

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