Is WithCoverage Legit? Licensing, Carriers and Reliability

With Coverage's terms distinguish With Coverage Inc. and With Coverage Insurance Services LLC. The license table and Liberty Mutual directory identify With Coverage Insurance Services LLC as an insurance-services/brokerage entity; no reviewed source identifies either entity as a policy insurer.^2,1,5

With Coverage publishes a current table for With Coverage Insurance Services LLC with entries across the states and DC, including California 6011578, Massachusetts 3002802342, Maine AGN462479, New York PC-1820286 and BR-1820286, and Wisconsin 3002709243. These are company-reported disclosures and do not establish active authority, appointments or product eligibility without state-specific confirmation.¹

Wisconsin OCI explains that a firm's authority lies with its DRLP and active lines, so the published Wisconsin number alone does not establish authority for a particular account.⁷

The reviewed With Coverage materials describe brokerage operations and disclose business or funding context, but do not publish entity-specific audited financial statements, statutory surplus, capital or liquidity figures, or an insurer financial-strength rating. Funding or investor information would not establish insurance solvency for a broker and is not used as a rating proxy.^3,2

With Coverage describes placing and servicing commercial insurance and its terms distinguish broker services from insurer obligations. The actual policy issuer, capacity and reinsurance must be established from the quote and policy; no With Coverage-owned risk-bearing role was evidenced.^2,3

One With Coverage carrier relationship is evidenced, and the carrier publishes it. Liberty Mutual’s independent-agent directory lists WITH COVERAGE INSURANCE SERVICES LLC at 25 E 21st St Fl 10, New York, NY 10010, with a named agent. That is carrier-published rather than company-reported and establishes that Liberty Mutual presents With Coverage as one of its independent agents. The listing states no lines, limits, states or commercial binding authority, and its descriptive text is Liberty Mutual’s standard independent-agent copy rather than a statement about With Coverage’s book.⁵

With Coverage itself names no insurer. Its terms state that any insurance coverage is subject to underwriting, carrier terms and exclusions, and that With Coverage makes no guarantee that quotes, terms, rates, coverage or services offered by insurers or other third parties will be available or suitable. Its client page refers to carriers only through customer testimonials — a competitive workers’ compensation, auto and general liability request for proposal, a reclassification agreed with its carrier partners, and six carriers placed alongside an incumbent builders-risk insurer — and names no insurer in any of them. Its published licence table records producer licence numbers in 49 jurisdictions, not carrier appointments.^2,9,1

The Liberty Mutual listing is therefore the only carrier-published evidence of a With Coverage carrier relationship located in this research, and no panel, programme, capacity figure or binding authority is disclosed in any source we could open. That describes the available disclosures rather than the relationships With Coverage holds.^5,2

With Coverage describes risk-advisory, policy-review and claims/safety-process support. That describes an intermediary service function, while the insurer and policy determine claims authority and payment obligations.^4,2

The reviewed sources establish company-reported license disclosures and entity corroboration but do not complete a five-year regulatory or enforcement result for With Coverage Inc. or With Coverage Insurance Services LLC. No conclusion is drawn from that incomplete search.^1,8,7