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

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

# How Reliable Is StartupInsurance.ai?

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

## Assessment

- **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.

This 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.

- **Broker Spot Score:** **4.9/10**
- **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.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

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

- **Provider profile:** [StartupInsurance.ai](/insurance-providers/startupinsurance)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| ContractorNerd Insurance Services LLC | Disclosed agency/intermediary behind the StartupInsurance.ai workflow. | [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/) |
| StartupInsurance.ai | Startup-focused marketing brand and digital workflow; not identified as a risk-bearing insurer. | [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/) |
| Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA | Carrier names displayed in marketing; exact issuing entity and quote relationship are not established. | [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/) |

## Research summary

StartupInsurance.ai presents an agency workflow through ContractorNerd Insurance Services LLC and displays a company-reported California license number; carrier, state authority, financial evidence and claims responsibility remain unresolved for a quote. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)

### Legal Identity

StartupInsurance.ai's company and legal footer identify ContractorNerd Insurance Services LLC as the agency entity behind the startup-focused workflow. The marketing carrier panel does not identify one issuing legal entity for a particular product or applicant. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)

### Licensing

The public footer displays California P&C license 6015566 and claims broad state licensing. The number remains company-reported; current California authority and a complete state-by-state inventory are not independently established. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### Financial Strength

The reviewed public materials identify carrier brands and an agency workflow but provide no carrier-specific issuing entity, current AM Best action, statutory statement or policyholder-surplus evidence for a quote. Marketing carrier names are not financial evidence. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)

### 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. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)

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. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/)

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. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/)

### Claims Service

The accessible company pages describe application, policy-check and servicing workflows but do not establish who receives first notice of loss, which carrier handles claims or an independent claims-service record. No claim outcome or response-time evidence was established. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)

### 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. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ContractorNerd Insurance Services LLC | CA | State license | 6015566 | P&C license displayed in company footer | Company-reported; current authority and lines not independently established | Company-reported | 2026-09-21 | [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | Current ContractorNerd authority is not independently established from the California regulator route; this is not a no-license or clean-record finding. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 1.94 | 15% | 4.85 | [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/), [Company | Startup Insurance](https://www.startupinsurance.ai/company/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## 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.

## Related terms

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

## Sources

- [Startup Insurance | Coverage that Clears the Review](https://www.startupinsurance.ai/) — 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](https://www.startupinsurance.ai/company/) — StartupInsurance.ai; Company story, founders, policy-check workflow and legal footer; accessed 2026-09-21.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for ContractorNerd and 6015566; current authority not independently established; accessed 2026-09-21.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/startupinsurance/reliability.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)