Alternatives to biBerk
biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. 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. biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. Ask who can bind the policy, who handles changes and renewals, and where to report a claim. 1,2
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
Business owner’s policy
Alliance Risk arranges business owner’s policies.
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 business owner’s policies 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.Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue.
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 business owner’s policy in its coverage catalog.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoterie offers a business owner’s policy through its agent channel.
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.Coverdash lists a business owner’s policy 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.Embroker lists a business owner’s policy 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.ERGO NEXT markets a business owner’s policy.
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.Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges business owner’s policies 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 accepts business owner’s policy inquiries through its coverage intake.
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 business owner’s policies 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 business owner’s policies 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 business owner’s policies for small and midsized businesses.
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 Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists a business owner’s policy in its product catalog.
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
Mylo lists a business owner’s policy among its business insurance products.
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 a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailablePie accepts business owner’s policy quote requests.
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.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
TechInsurance arranges business owner’s policies 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.The Hartford offers business owner’s policies combining property and liability 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 business owner’s policies for small technology-services businesses.
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.
Commercial auto
AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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.
Cyber liability
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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.
General liability
AIG Programs general liability (three separate program scopes)
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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.
Professional errors and omissions (E&O)
AIG entity-based Professional Liability / Specialty Professional E&O
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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.
Umbrella and excess liability
AIG Excess Casualty (lead umbrella and mid/high excess)
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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
AIG Workers’ Compensation options by distinct channel
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance 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.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
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Small Business Insurance From biBerk | Read Disclosures. biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
