---
title: "What Is Counterpart Insurance?"
description: "Counterpart markets management and professional liability programs to small businesses through a broker-focused platform."
canonical: "https://spot.insure/insurance-providers/counterpart"
page-type: "provider-profile"
updated-at: "2026-09-29"
---

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

# What Is Counterpart Insurance?

Counterpart markets management and professional liability programs to small businesses through a broker-focused platform.

## Before You Quote

Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Company Details

- **Company:** Counterpart
- **Stated focus:** Management and professional liability products for small businesses, with tools and services for brokers, as described by Counterpart.
- **Official website:** [yourcounterpart.com](https://yourcounterpart.com/)

### Coverage Offered

- [Crime](https://spot.insure/coverage/crime): Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. [13](https://yourcounterpart.com/products/crime "Commercial Crime Insurance")
- [Directors and officers](https://spot.insure/coverage/directors-officers): Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")
- [Employment practices liability](https://spot.insure/coverage/employment-practices): Named Employment Practices Liability product; examples and policy terms govern. [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")
- [Fiduciary liability](https://spot.insure/coverage/fiduciary): Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. [12](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance")
- [General liability](https://spot.insure/coverage/general-liability): GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. [14](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")
- [Medical malpractice](https://spot.insure/coverage/medical-malpractice): Allied healthcare liability for named classes; not universal conventional malpractice. [15](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability")
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions): Several separately scoped professional-liability programs; do not generalize terms across professions. [14](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [16](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [15](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")



## Reliability Assessment

Role: Broker.

Broker Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/counterpart/reliability).

## Counterpart Reviews

Review Score: not enough ratings.

The sources checked did not establish a customer rating for Counterpart. To check complaints relevant to your coverage, match your policy’s insurer, coverage line, state and reporting period.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

Counterpart describes itself as an insurance technology company focused on management and professional liability for small businesses, with a broker audience and online tools. Its product pages name private-company and nonprofit D&O, employment-practices, fiduciary, crime, professional liability, allied healthcare, architects and engineers, contractors, and lawyers programs. Eligibility and coverage depend on the particular program, applicant, state and issued policy. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

## Pros and Cons

### Pros

- **Products tailored to different professions.** Counterpart publishes separate material for miscellaneous professional liability, allied healthcare, architects and engineers/contractors, and lawyers. A buyer can use the stated profession and services to ask whether the proposed form fits the actual work. The allied-health page names home health, transport, physical therapy, staffing, urgent care and imaging among its classes; its telehealth feature stays within that product. These are marketing descriptions, not an underwriting decision or a promise that every class qualifies. [14](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [15](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [16](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")
- **Broker workflow information.** A help article describes a broker dashboard with application statuses, while a professional-liability page describes broker renewal tools and access to specialized underwriters. These are company-described services; research did not test the dashboard or verify turnaround times. [7](https://knowledge.yourcounterpart.com/en/articles/4438626-what-is-my-application-status "What is my application status?") [8](https://yourcounterpart.com/services/professional-liability "Counterpart Professional Liability")
- **Online quote entry point, with an unresolved route.** The current homepage shows “Quote Online,” but its linked application page required JavaScript and did not load during review. A separate February 2025 help article describes a wholesale-broker referral route. Public material reviewed does not show whether a buyer can complete a quote or bind online, so ask the broker which steps require their involvement. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://app.yourcounterpart.com/login "Counterpart application destination") [6](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

### Cons

- **Coverage descriptions are not policy terms.** Counterpart’s pages show profession-specific examples and, on some pages, illustrative limits, retentions and premiums. Those examples are not quotes or guaranteed terms. The reviewed public pages do not establish all broker, platform or policy fees, so ask for each charge in writing. Check the application answers, declarations, endorsements, exclusions, sublimits, retroactive date, and any claims-made reporting requirements in the actual policy. [14](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [3](https://yourcounterpart.com/licenses "Licenses & Carriers")
- **General liability is described in program context.** Counterpart says its miscellaneous professional liability can be offered alone or packaged with general liability, and its lawyers liability page describes GL alongside professional coverage. Ask whether GL is offered as a companion in the quoted program; this does not establish a broad standalone commercial general liability policy. [14](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")
- **Features do not necessarily mean separate policies.** The lawyers page discusses AI and technology-product claims and media/advertising claims in the context of lawyers professional liability. Its allied-health page discusses virtual care. Ask how those features are worded and whether limits are shared or separate; these descriptions do not establish separate technology E&O, media or telehealth policies. [17](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [15](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability")
- **Carrier and state availability vary by placement.** Counterpart names underwriting companies but the reviewed public materials do not map a single carrier to each product, state or policy. Its license page says availability may vary by state. Confirm the legal issuer, admitted or surplus-lines status, and applicable terms on the quote and policy. [2](https://yourcounterpart.com/about "About Counterpart") [3](https://yourcounterpart.com/licenses "Licenses & Carriers")
- **Announced excess coverage is not a quote.** A July 2026 press item announces excess coverage across product lines but does not establish current eligibility, terms or availability for a buyer. Ask whether the actual quote includes excess coverage and which policy supplies it. [4](https://press.yourcounterpart.com/press/ "Counterpart press articles")
- **Claims-speed advertising lacks a disclosed method.** Counterpart says it closes claims twice as fast as the industry average but the homepage does not state the sample, period, claim population or calculation. Treat that as a company claim and ask who adjusts the claim and which entity is responsible for payment under the policy. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [3](https://yourcounterpart.com/licenses "Licenses & Carriers")

## How the Process Works

A Counterpart help article dated February 6, 2025 tells applicants to work through a wholesale broker. A more recent homepage also offers a “Quote Online” link, but the destination could not be reviewed beyond a JavaScript-required error. Counterpart separately describes broker-submitted applications and dashboard statuses from submission through underwriting review and quote. Its article says binding requires a signed application and any required subjectivities. Ask whether a broker must submit the application, which documents remain outstanding, and what confirms coverage is bound. No quote, purchase or binding workflow was tested. [6](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [5](https://app.yourcounterpart.com/login "Counterpart application destination") [7](https://knowledge.yourcounterpart.com/en/articles/4438626-what-is-my-application-status "What is my application status?")

## Company and Insurance Roles

Counterpart identifies Counterpart Insurance Services, Inc. as its wholly owned U.S. subsidiary and reports National Producer Number 19374834 and producer and surplus-lines-broker authority in 50 states and the District of Columbia. This is a provider-published disclosure; product availability may vary. The company says policy obligations belong to the issuing carrier. Its public pages name Aspen Specialty, Evanston (Markel) and Westfield capacity, without a complete product-by-state issuer map. Confirm the named insurer on the quote and policy. In May 2026, Counterpart described a future first-time plan to retain risk through Counterpart Insurance Company; that announcement does not establish current policy issuance. [3](https://yourcounterpart.com/licenses "Licenses & Carriers") [2](https://yourcounterpart.com/about "About Counterpart") [4](https://press.yourcounterpart.com/press/ "Counterpart press articles")

## What to Ask Before Buying

- Which exact legal entity issues this policy, and is the placement admitted or surplus lines in my state?
- Does the quote cover my actual profession, services, locations, subcontractors and revenue mix?
- Is general liability included, optional or separately quoted, and does it share limits with professional liability?
- Are AI/technology, media, virtual-care or other described features included by endorsement, subject to a sublimit, or excluded?
- What are the deductible or retention, exclusions, retroactive date, extended reporting options, notice requirements and claims contact?
- Which application documents or subjectivities remain, and what written confirmation shows that coverage has bound?



## Sources

### [Counterpart Official Website](https://yourcounterpart.com/)

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
3. [Licenses & Carriers](https://yourcounterpart.com/licenses). Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28; browser re-fetch timed out 2026-09-29. No product/state issuer map. Accessed 2026-09-28.
4. [Counterpart press articles](https://press.yourcounterpart.com/press/). Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
5. [Counterpart application destination](https://app.yourcounterpart.com/login). Counterpart; Reached from current homepage Quote Online CTA; page says JavaScript required and app could not load. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
6. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart) Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
7. [What is my application status?](https://knowledge.yourcounterpart.com/en/articles/4438626-what-is-my-application-status) Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
8. [Counterpart Professional Liability](https://yourcounterpart.com/services/professional-liability). Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
9. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
10. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
11. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
12. [Fiduciary Liability Insurance](https://yourcounterpart.com/products/fid). Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
13. [Commercial Crime Insurance](https://yourcounterpart.com/products/crime). Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
14. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
15. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
16. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
17. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. This profile summarizes company-published material; it is not an offer of coverage or a recommendation to buy. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/counterpart.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)