How Reliable Is StartupInsurance.ai?
StartupInsurance.ai reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
4.9/ 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 | 1.9 / 4 | [1][2][3] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Broker. 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.
Legal Identity
Licensing
Financial Strength
Risk Bearing
The site describes an agency submitting and servicing insurance transactions while distinguishing the agency from insurers. The exact risk-bearing carrier, admitted or surplus-lines status, capacity and reinsurance terms are not disclosed for the reviewed startup workflow.[1][2]
StartupInsurance.ai publishes a partial carrier panel. Its homepage carrier strip names The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA as “Carriers on panel,” and a panel card names three of them with a rating and admitted status: Chubb A++ admitted, Travelers A++ admitted and Coalition A- surplus. The same page claims “40+ carriers, panel and ratings published” and “We publish every carrier we use with its rating”; six names and three ratings are published, and the “Panel & ratings” link resolves to the coverage section, which lists lines rather than carriers.[1]
The named entries are company-reported and differ in kind. Coalition is a cyber managing general agency rather than an insurer writing on its own account, so its appearance on the strip does not identify the issuing paper. The AM Best ratings and the admitted or surplus designations shown are StartupInsurance.ai’s own statements, are not independently verified here, and would not transfer to the agency. The page’s footer states that coverage availability, terms and pricing vary by state, carrier and risk, that no coverage is bound until a policy is issued by the carrier, and that some coverages may be placed with non-admitted surplus-lines carriers, so the issuing insurer for a placement remains policy-specific.[1]
Claims Service
Regulatory Record
Current California authority for ContractorNerd is not independently established, and no completed five-year conduct result is available. This is not a clean-record or universal-authority finding.[3]
Evidence gaps
- California license 6015566 remains company-reported pending direct regulator confirmation.
- No complete state-by-state producer authority inventory was completed.
- Carrier marketing names are not mapped to exact issuing entities, products, states or capacity providers.
- No current carrier-specific AM Best actions or statutory financial statements were collected.
- No completed five-year conduct result is available.
- Claims notice route and carrier claims responsibility remain unverified.
- StartupInsurance.ai names six panel carriers and publishes ratings for three, against a claimed 40+ carrier panel and a claim to publish every carrier it uses; the remainder of the panel is not published.
- No carrier-published directory, appointment record or regulator appointment listing confirming any of the six named appointments was located in this research, and the AM Best ratings and admitted or surplus designations shown are company-reported.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Source inaccessible[3] | Current ContractorNerd authority is not independently established from the California regulator route; this is not a no-license or clean-record finding. |
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.
Sources
- Startup Insurance | Coverage that Clears the Review. StartupInsurance.ai; Coverage and startup-program descriptions; Carrier strip “Carriers on panel” naming The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA; “Carrier panel” card showing Chubb A++ Admitted, Travelers A++ Admitted and Coalition A- Surplus; “40+ carriers, panel and ratings published” claim; coverage section; agency and issuer disclosure in footer. Accessed 2026-09-22.
- Company | Startup Insurance. StartupInsurance.ai; Company story, founders, policy-check workflow and legal footer. Accessed 2026-09-21.
- California License Number Search. California Department of Insurance; California producer-license route for ContractorNerd and 6015566; current authority not independently established. Accessed 2026-09-21.
