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

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

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

# How Reliable Is TechInsurance?

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

## Assessment

- **Role:** Broker

- **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.

This partial Broker Spot Score covers carrier-network strength within the stated scope. It uses 30% 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:** **5.0/10**
- **Role:** Broker
- **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.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **30%** of this role’s weighting included. Included: Carrier-Network Strength. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.; Disclosure Clarity: The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries..

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

- **Provider profile:** [TechInsurance](/insurance-providers/techinsurance)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Specialty Program Group LLC | Operating entity for TechInsurance division; California DBA SPG Insurance Solutions | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure) |
| TechInsurance | Division/brand and insurance distribution service, not identified as carrier | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners) |

## Research summary

TechInsurance’s current license page lists state producer identifiers and identifies the operation as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. Its partner page markets a broad carrier network and partner ratings, but does not map a generic quote to an exact carrier or rating. TechInsurance’s claims guide directs policyholders to the carrier and says TechInsurance agents can assist; its site links to an SPG compensation disclosure whose exact fee categories are not established in this record. The cited materials do not establish a generic quote’s issuer or current independent license records. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners), [How to File a Business Insurance Claim](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim), [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure)

### Legal Identity

TechInsurance’s license page identifies the operation as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. The public materials describe TechInsurance as a brokerage/distribution brand, not a risk-bearing insurer. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners)

### Licensing

TechInsurance publishes state producer identifiers, including California 0L09546 and Washington, D.C. 3000041536. The identifiers are company evidence; current regulator records, lines, appointments and exact contracting entity were not independently established in this record. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses)

### Financial Strength

The cited TechInsurance pages do not provide operational financial statements for the division or identify carrier solvency for a generic quote. The partner page’s 100-plus-carrier and AM Best Excellent-or-Superior marketing language does not establish a rating for TechInsurance, SPG or an unidentified quote issuer. TechInsurance links to an SPG compensation disclosure; the exact fee categories on that linked page are not established in this record. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners), [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure), [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/)

### Risk-Bearing Relationships

TechInsurance names insurance partners and offers technology and small-business coverages, but the published pages do not assign a single insurer to all products or states. The policy declarations should establish the actual issuer. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners), [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses)

TechInsurance names its insurance partners on its own site. Its partners page profiles ten with a described specialty — The Hartford, Liberty Mutual, Acuity Insurance, Philadelphia Insurance Companies, AmTrust Financial, The Hanover, Nationwide, Hiscox, Chubb and Travelers — and lists a further group it calls more of its top carriers: AmWINS Brokerage, Beazley, Berkshire Hathaway Inc., BiBerk, BTIS, Burns & Wilcox, CFC Underwriting Limited, CM&F, CNA, Coalition Insurance Solutions, Inc., Coterie, Employers Mutual Casualty Company (EMC Insurance), Great American, Guard Insurance Group, LIO, Monarch, Progressive Commercial, RLI Corp. (CBIC), Ryan Specialty Group (RT Specialty), United States Liability Insurance (USLI) and Westfield Companies. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners)

The list mixes roles. AmWINS Brokerage, Burns & Wilcox and Ryan Specialty Group (RT Specialty) are wholesale intermediaries, Coalition Insurance Solutions and Coterie are underwriting agencies, and Berkshire Hathaway Inc. and Guard Insurance Group are group names rather than the company that issues a policy, so the page evidences access routes as well as direct carrier relationships. The page also states access to “100+ carriers, all of which are rated Excellent or Superior by A.M. Best” and prints an AM Best rating beside each profiled carrier; those figures are TechInsurance’s own statements, are not independently verified here, and would not transfer to TechInsurance. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners)

No carrier is mapped to a product, a state or a share of TechInsurance’s book. The page states that its providers offer a variety of coverages, that TechInsurance sources quotes from them, and that some providers specialise by industry while others operate in certain locations only, so the insurer for a given technology placement is still established by the policy. No carrier-published record of a TechInsurance or Specialty Program Group appointment was located in this research. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners)

### Claims and Service

TechInsurance’s claims guide tells policyholders to contact the carrier to report a claim and says a TechInsurance agent may assist. That establishes a stated service route, not independent evidence of claims outcomes. [How to File a Business Insurance Claim](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim)

### Regulatory Record

A current independent license and five-year conduct search for Specialty Program Group LLC/TechInsurance is not established in this record. The company list is preserved as disclosed evidence without a universal status conclusion. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Specialty Program Group LLC | CA | State license | 0L09546 | Producer identifier displayed for TechInsurance/SPG Insurance Solutions | Company-published; current CDI record not independently established in this record | Company-reported | 2026-09-21 | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |
| Specialty Program Group LLC | DC | State license | 3000041536 | Producer identifier displayed by TechInsurance | Company-published; current regulator record not independently established in this record | Company-reported | 2026-09-21 | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Company-reported | TechInsurance page displays California 0L09546; current authority is not independently established in this record. | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |
| DC | Company-reported | TechInsurance page displays D.C. 3000041536; current authority is not independently established in this record. | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |
| US/DC | Company-reported | Company page publishes a broad list; no completed five-year conduct result is established for the stated scope. | [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |

## Rating dimensions

### Broker Spot Score

Included weighting: **30%** 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. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses)
- **Disclosure Clarity:** The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries. [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses), [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners), [How to File a Business Insurance Claim](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Carrier-Network Strength | 2 | 30% | 5.00 | [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners), [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) |

## Evidence gaps

- Exact entity-to-license mapping and current regulator status were not independently established in this record.
- Carrier-by-product/state and program/capacity relationships remain incomplete; partner ratings are marketing and not mapped to a generic issuer.
- Operational financials, claims performance and conduct search remain unresolved.
- The linked SPG compensation page does not establish exact fee categories in this record. Exact SPG fee categories and their application to a placement remain inaccessible and require engagement-specific disclosure.
- TechInsurance names 31 insurance partners but maps none to a product, state or share of its book, and several named entries are wholesale intermediaries, underwriting agencies or group names rather than issuing insurers.
- The “100+ carriers” figure and the AM Best ratings printed beside each profiled carrier are company-reported and are not independently verified; no carrier-published or regulator appointment record confirming a TechInsurance appointment was located in this research.

## 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

- [How to File a Business Insurance Claim](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim) — TechInsurance; Instruction to contact carrier and TechInsurance agent-assistance description; accessed 2026-09-21.
- [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure) — TechInsurance; Link to SPG compensation disclosure; accessed 2026-09-21.
- [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; California 0L09546, Washington D.C. 3000041536 and other entries; division/operating entity statement; accessed 2026-09-21.
- [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners) — TechInsurance; Named partner providers and profession/product scope; “Our trusted business insurance companies” profiles of The Hartford, Liberty Mutual, Acuity, Philadelphia Insurance Companies, AmTrust Financial, The Hanover, Nationwide, Hiscox, Chubb and Travelers with company-stated AM Best ratings; “Meet more of our trusted insurance partners” list of 21 further names; “access to 100+ carriers” claim; accessed 2026-09-22.
- [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/) — Specialty Program Group; SPG compensation disclosure route linked by TechInsurance; exact fee categories are not established in this record.; accessed 2026-09-21.

## Agent and Developer Resources

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