How Reliable Is Coverdash?
Coverdash reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
5.1/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.0 / 4 | [5][3][4][2][6][1] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Broker. 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.
Legal Identity
Coverdash’s terms name Coverdash Insurance Services, LLC and Coverdash, Inc. The terms describe the service as an insurance brokerage that arranges coverage and state that Coverdash is not the insurer or underwriter.[5]
Licensing
Coverdash publishes company-displayed state identifiers including California 6008027, New York PC-1732478 and BR-1732478, and Wisconsin 3001951216. Current regulator status, exact lines and responsible-producer authority are not independently established in this record.[3]
Financial Strength
Risk-Bearing Relationships
Coverdash markets embedded quoting, binding and policy-management workflows and a broad coverage catalogue, but the cited generic pages do not name one carrier for all products. The declarations and policy forms should identify the risk-bearing insurer.[4][2][5]
State appointment records name the carriers Coverdash’s own marketing does not. Texas lists COVERDASH INSURANCE SERVICES, LLC, NPN 20337114, holding General Lines Agency licence 2845411, Active, with an Active Property and Casualty qualification, and records 64 active Property and Casualty appointments among 67 companies — among them The Travelers Indemnity Company, Hartford Fire Insurance Company, Nationwide Mutual Insurance Company, The Hanover Insurance Company, Great American Insurance Company, Continental Casualty Company, Federal Insurance Company, Arch Insurance Company, Markel Insurance Company, Acuity, a Mutual Insurance Company, Employers Compensation Insurance Company, AmTrust Insurance Company and Berkshire Hathaway Direct Insurance Company, most of them appearing alongside affiliated companies in the same group. Nevada records the same licensee on Non-Resident Producer Firm licence 3796942, Active, with 44 active Property and Casualty appointments. These are regulator records rather than company claims.[7][8]
An appointment establishes that the named insurer has appointed Coverdash to act for it in that state. It does not establish which insurer writes a given Coverdash product, what share of the book any carrier takes, or any capacity, binding-authority or reinsurance term — none of which is disclosed anywhere Spot reviewed. The Texas and Nevada records also say nothing about the other states in Coverdash’s published licence table, and Spot checked no other state register.[7][8][3]
The Pennsylvania record carries a split Spot did not resolve. It shows Producer licence 1074225 Active with Active Casualty and Property qualifications, and a separate Non-Resident Producer Agency entry under the same number with Status Inactive effective 10 September 2026, its Casualty and Allied Lines and Property and Allied Lines qualifications Inactive from the same date. Of the 70 companies listed there, 52 still carry an active appointment row. Spot records the register as it stands.[9]
Coverdash’s own marketing names none of this. Its home page shows a “40+ Top Rate Insurers” count above a decorative logo strip and its partnership page repeats “40+ top-rated carriers”, neither tied to a product, a state or an appointment. Spot counts the regulator records and not the logos, and the two do not describe the same set: the appointed panel in Texas alone is larger than the number the marketing claims.[6][4][7]
Claims and Service
Regulatory Record
A current independent regulator and conduct search for Coverdash Insurance Services, LLC is not established in this record. The source set preserves company-published license identifiers without treating them as independently verified status.[3]
Evidence gaps
- Current independent regulator status, lines and DRLP evidence for the listed licenses are not independently established in this record.
- Carrier and program mapping is not established for generic Coverdash offerings.
- Operational financials, claims performance and five-year conduct searches remain unresolved.
- Appointment evidence was retrieved in Texas, Nevada and Pennsylvania only; the remaining states in Coverdash’s published licence table were not checked.
- Which appointed insurer writes a given Coverdash product, and on what capacity, binding-authority or reinsurance terms, is disclosed nowhere Spot reviewed.
- The Pennsylvania register shows Producer licence 1074225 Active while the Non-Resident Producer Agency entry under the same number is Inactive from 10 September 2026; the reason and the effect on Pennsylvania placements are not established.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 New York | Company-reported disclosure[3] | Current Coverdash page displays NY PC-1732478 and BR-1732478; current authority is not independently established in this record. |
 Wisconsin | Company-reported disclosure[3] | Current Coverdash page displays WI 3001951216; current authority is not independently established in this record. |
 US/DC | Not researched[3] | The company publishes a broad list, but no completed five-year conduct result is established for the stated scope. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Coverdash Insurance Services, LLCNew York | State license: PC-1732478[3] | P&C entry displayed by Coverdash; Company-published; current NYDFS record not independently established in this record |
| Coverdash Insurance Services, LLCWisconsin | State license: 3001951216[3] | Producer/agency entry displayed by Coverdash; Company-published; current OCI/SBS record not independently established in this record |
Coverdash Insurance Services, LLC California | State license: 6008027[3] | State identifier displayed by Coverdash; Company-published identifier; current regulator status and lines are not independently established in this record |
| Coverdash Insurance Services, LLCNew York | State license: BR-1732478[3] | Broker identifier displayed by Coverdash; Company-published identifier; current regulator status and lines are not independently established in this record |
Sources
- How Can I File A Claim? Coverdash Help Center; Claim reporting instructions and insurer/policy routing. Accessed 2026-09-22.
- Coverage Hub. Coverdash; Commercial coverage catalogue. Accessed 2026-09-21.
- Licenses. Coverdash; Current state license table, including New York PC/BR and Wisconsin entries. Accessed 2026-09-21.
- Partner With Coverdash. Coverdash; Embedded quoting, binding and policy-management partnership description. Accessed 2026-09-22.
- Terms & Conditions. Coverdash; Sections 1–2, 10, 12–17; entities, producer role, policy controls coverage and no underwriting statement. Accessed 2026-09-22.
- Business Insurance Online Instantly. Coverdash; Home page proof band “40+ Top Rate Insurers” and the “Trusted by 40+ leading carriers” logo strip; the strip’s images are marked aria-hidden and carry no appointment, product, state or capacity detail. Accessed 2026-09-22.
- Texas Firm Consumer Inquiry - COVERDASH INSURANCE SERVICES, LLC. Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: licensee COVERDASH INSURANCE SERVICES, LLC, NPN 20337114. Licences: General Lines Agency licence 2845411, Status Active, original issue 05-26-2022, effective 05-26-2022, expiration 05-26-2028. Qualifications: Property and Casualty Active (effective 05-26-2022). Affiliations/Appointments lists 67 companies, 64 of them with an Active appointment row. Active appointments: ACUITY, A MUTUAL INSURANCE COMPANY, Allied Insurance Company of America, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company, AMCO INSURANCE COMPANY, AMERICAN CASUALTY COMPANY OF READING, PENNSYLVANIA, AmGUARD Insurance Company, AmTrust Insurance Company, Arch Insurance Company, Berkshire Hathaway Direct Insurance Company, Citizens Insurance Company of America, Colonial County Mutual Insurance Company, Continental Casualty Company, CONTINENTAL INSURANCE COMPANY, THE, Depositors Insurance Company, Employers Assurance Company, Employers Compensation Insurance Company, Employers Preferred Insurance Company, Federal Insurance Company, FIDELITY AND GUARANTY INSURANCE COMPANY, GEICO County Mutual Insurance Company, Great American Alliance Insurance Company, Great American Insurance Company, Great American Spirit Insurance Company, Hanover American Insurance Company, The, Hanover Casualty Company, The, Hanover Insurance Company, The, HARTFORD ACCIDENT AND INDEMNITY COMPANY, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Insurance Company of the Southeast, Hartford Lloyd's Insurance Company, HARTFORD UNDERWRITERS INSURANCE COMPANY, Lyndon Southern Insurance Company, Markel Insurance Company, Massachusetts Bay Insurance Company, Milford Casualty Insurance Company, National Specialty Insurance Company, Nationwide Agribusiness Insurance Company, Nationwide Assurance Company, Nationwide General Insurance Company, Nationwide Insurance Company of America, Nationwide Mutual Insurance Company, Nationwide Property and Casualty Insurance Company, Nutmeg Insurance Company, PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY, Property and Casualty Insurance Company of Hartford, Security National Insurance Company, SENTINEL INSURANCE COMPANY, LTD., Sequoia Insurance Company, ST. PAUL FIRE AND MARINE INSURANCE COMPANY, STANDARD FIRE INSURANCE COMPANY, THE, State National Insurance Company, Inc., Technology Insurance Company, Inc., TRAVELERS INDEMNITY COMPANY OF AMERICA, THE, TRAVELERS INDEMNITY COMPANY OF CONNECTICUT, THE, TRAVELERS INDEMNITY COMPANY, THE, TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, TRUMBULL INSURANCE COMPANY, Twin City Fire Insurance Company, Verlan Fire Insurance Company, Wesco Insurance Company. Accessed 2026-09-22.
- Nevada Firm Consumer Inquiry - COVERDASH INSURANCE SERVICES, LLC. Sircon/Nevada insurance licensing lookup; Firm Consumer Inquiry for the State of Nevada, retrieved 22 September 2026: licensee COVERDASH INSURANCE SERVICES, LLC, NPN 20337114. Licences: Non-Resident Producer Firm licence 3796942, Status Active, original issue 05-20-2022, effective 05-20-2022, expiration 05-31-2028. Qualifications: Property Active (effective 05-20-2022); Casualty Active (effective 05-20-2022). Affiliations/Appointments lists 47 companies, 44 of them with an Active appointment row. Active appointments: ACUITY A MUTUAL INSURANCE COMPANY, Allied Insurance Company of America, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, Allmerica Financial Alliance Insurance Company, ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY, AmTrust Insurance Company, ARCH INSURANCE COMPANY, CHARTER OAK FIRE INSURANCE COMPANY (THE), Citizens Insurance Company of America, CONTINENTAL CASUALTY COMPANY, CONTINENTAL INSURANCE COMPANY (THE), EMPLOYERS ASSURANCE COMPANY, EMPLOYERS COMPENSATION INSURANCE COMPANY, EMPLOYERS PREFERRED INSURANCE COMPANY, FIDELITY AND GUARANTY INSURANCE COMPANY, GREAT AMERICAN ALLIANCE INSURANCE COMPANY, GREAT AMERICAN INSURANCE COMPANY, GREAT AMERICAN SPIRIT INSURANCE COMPANY, HANOVER AMERICAN INSURANCE COMPANY, THE, HANOVER INSURANCE COMPANY, THE, HARTFORD ACCIDENT & INDEMNITY COMPANY, Hartford Insurance Company of Illinois, Massachusetts Bay Insurance Company, Milford Casualty Insurance Company, NATIONAL SPECIALTY INSURANCE COMPANY, NATIONWIDE AGRIBUSINESS INSURANCE COMPANY, NATIONWIDE ASSURANCE COMPANY, NATIONWIDE GENERAL INSURANCE COMPANY, NATIONWIDE INSURANCE COMPANY OF AMERICA, NATIONWIDE MUTUAL INSURANCE COMPANY, NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY, PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD, SECURITY NATIONAL INSURANCE COMPANY, SENTINEL INSURANCE COMPANY LTD, SEQUOIA INSURANCE COMPANY, ST PAUL FIRE AND MARINE INSURANCE COMPANY, STATE NATIONAL INSURANCE COMPANY INC, TECHNOLOGY INSURANCE COMPANY INC, TRANSPORTATION INSURANCE COMPANY, TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, UNITED FINANCIAL CASUALTY COMPANY, VALLEY FORGE INSURANCE COMPANY, VERLAN FIRE INSURANCE COMPANY, WESCO INSURANCE COMPANY. Accessed 2026-09-22.
- Pennsylvania Firm Consumer Inquiry - COVERDASH INSURANCE SERVICES, LLC. Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: licensee COVERDASH INSURANCE SERVICES, LLC, NPN 20337114. Licences: Producer licence 1074225, Status Active, original issue 06-22-2022, effective 06-22-2022, expiration 06-22-2028; Non-Resident Producer Agency licence 1074225, Status Inactive, original issue 06-22-2022, effective 09-10-2026, expiration 06-22-2028. Qualifications: Casualty Active (effective 06-22-2022); Property Active (effective 06-22-2022); Casualty and Allied Lines Inactive (effective 09-10-2026); Property and Allied Lines Inactive (effective 09-10-2026). Affiliations/Appointments lists 70 companies, 52 of them with an Active appointment row. Active appointments include ACUITY, A MUTUAL INSURANCE COMPANY, ALLIED INSURANCE COMPANY OF AMERICA, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY, ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY, AMCO INSURANCE COMPANY, AMGUARD INSURANCE COMPANY, AMTRUST INSURANCE COMPANY, ARCH INSURANCE COMPANY, BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY, CITIZENS INSURANCE COMPANY OF AMERICA, CONTINENTAL CASUALTY COMPANY and 40 more listed on the page. Accessed 2026-09-22.
