---
title: "How Reliable Is WithCoverage?"
description: "WithCoverage reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/withcoverage/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/withcoverage/reliability)

# How Reliable Is WithCoverage?

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

## Assessment

- **Role:** Broker

- **Scope:** With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.

This partial Broker Spot Score covers carrier-network strength, disclosure clarity within the stated scope. It uses 45% 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:** With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Carrier-Network Strength, Disclosure Clarity. 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..

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

- **Provider profile:** [WithCoverage](/insurance-providers/withcoverage)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| With Coverage Inc. | Corporate/service entity identified in With Coverage terms and company materials; no carrier role established. | [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company) |
| With Coverage Insurance Services LLC | Insurance-services and brokerage entity named in the license table and external directory corroboration. | [Licenses](https://www.withcoverage.com/licenses), [Terms Of Use](https://www.withcoverage.com/terms), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [Mississippi Secretary Of State Business Search](https://corp.sos.ms.gov/) |

## Research summary

With Coverage publishes a multi-state producer-license table and describes brokerage, risk-advisory and claims/safety support. The reviewed materials do not establish a With Coverage-owned carrier or entity-specific audited financial statements; the table remains company-reported pending regulator reconciliation. [Licenses](https://www.withcoverage.com/licenses), [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267)

### Legal Identity

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. [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267)

### Licensing

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. [Licenses](https://www.withcoverage.com/licenses)

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. [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

### Financial Strength

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. [Company](https://www.withcoverage.com/company), [Terms Of Use](https://www.withcoverage.com/terms)

### Risk Bearing

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. [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company)

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. [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267)

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. [Terms Of Use](https://www.withcoverage.com/terms), [Clients](https://www.withcoverage.com/clients), [Licenses](https://www.withcoverage.com/licenses)

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 Spot could open. That describes the available disclosures rather than the relationships With Coverage holds. [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [Terms Of Use](https://www.withcoverage.com/terms)

### Claims Service

With Coverage describes risk-advisory, policy-review and claims/safety-process support. That documents an intermediary service function, while the insurer and policy determine claims authority and payment obligations. [Risk Advisors](https://www.withcoverage.com/risk-advisors), [Terms Of Use](https://www.withcoverage.com/terms)

### Regulatory Record

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. [Licenses](https://www.withcoverage.com/licenses), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| With Coverage Insurance Services LLC | California | State license | 6011578 | Producer license as displayed by company | Company-disclosed producer authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |
| With Coverage Insurance Services LLC | Massachusetts | State license | 3002802342 | Producer license as displayed by company | Company-disclosed producer authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |
| With Coverage Insurance Services LLC | Maine | State license | AGN462479 | Agency license as displayed by company | Company-disclosed agency authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |
| With Coverage Insurance Services LLC | New York | State license | PC-1820286 | Property and casualty broker license as displayed by company | Company-disclosed broker authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |
| With Coverage Insurance Services LLC | Wisconsin | State license | 3002709243 | Producer license as displayed by company | Company-disclosed producer authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |
| With Coverage Insurance Services LLC | New York | State license | BR-1820286 | Broker license as displayed by company | Company-disclosed broker authority; current regulator status not independently verified | Company-reported | 2026-09-21 | [Licenses](https://www.withcoverage.com/licenses) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | Reviewed California business-name lookup route for With Coverage Insurance Services LLC; current authority was not independently established. | [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch) |
| WI | Not researched | With Coverage publishes Wisconsin 3002709243; Wisconsin OCI Agent FAQ identifies the relevant authority rule, but current authority was not independently established. | [Licenses](https://www.withcoverage.com/licenses), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) |
| US | Not researched | The company publishes a broad state table; complete current regulator reconciliation was not completed. | [Licenses](https://www.withcoverage.com/licenses) |

## Rating dimensions

### Broker Spot Score

Included weighting: **45%** 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. [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.withcoverage.com/licenses), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Carrier-Network Strength | 1.99 | 30% | 3.32 | [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [Clients](https://www.withcoverage.com/clients), [Licenses](https://www.withcoverage.com/licenses) |
| Disclosure Clarity | 2.05 | 15% | 1.71 | [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Company](https://www.withcoverage.com/company), [Clients](https://www.withcoverage.com/clients), [Risk Advisors](https://www.withcoverage.com/risk-advisors) |

## Evidence gaps

- Independent current regulator confirmation of the published state licenses, DRLPs, appointments and active lines.
- Exact contracting entity for a buyer account and reconciliation of With Coverage Inc. with With Coverage Insurance Services LLC for that account.
- Entity-specific audited financial statements, capital/liquidity evidence and any insurer or MGA relationships.
- Policy-specific insurer, claims administrator, capacity and reinsurance identification.
- Complete five-year regulatory and enforcement search.
- Liberty Mutual’s agent directory is the only carrier-published evidence of a With Coverage carrier relationship, and it states no lines, states, limits or commercial binding authority.
- With Coverage’s own site, terms and client page name no insurer for any placement, and no panel, programme, capacity figure or binding authority is disclosed; the published licence table records producer licences rather than carrier appointments.

## 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

- [Licenses](https://www.withcoverage.com/licenses) — With Coverage; Current state license table for With Coverage Insurance Services LLC, including California 6011578, Massachusetts 3002802342, New York PC-1820286 and BR-1820286, and Wisconsin 3002709243; accessed 2026-09-22.
- [Terms Of Use](https://www.withcoverage.com/terms) — With Coverage; Legal entity and service terms identifying With Coverage Inc. and With Coverage Insurance Services LLC; insurer obligations, broker services and fees sections; accessed 2026-09-22.
- [Company](https://www.withcoverage.com/company) — With Coverage; Company and brokerage description, commercial insurance services and operating context; accessed 2026-09-21.
- [Risk Advisors](https://www.withcoverage.com/risk-advisors) — With Coverage; Risk-advisory, policy review, claims and safety-process support descriptions; accessed 2026-09-21.
- [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267) — Liberty Mutual; Agency listing for WITH COVERAGE INSURANCE SERVICES LLC at 25 E 21ST ST FL 10, New York, NY 10010, with a named agent and Liberty Mutual’s standard independent-agent description; carrier-published agency relationship, not proof of every license, line or appointment; accessed 2026-09-22.
- [Mississippi Secretary Of State Business Search](https://corp.sos.ms.gov/) — Mississippi Secretary of State; Business filing record for With Coverage Insurance Services LLC; entity-identity corroboration; accessed 2026-09-21.
- [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path.; accessed 2026-09-21.
- [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch) — California Department of Insurance; California regulator lookup route for the named entity or identifier; current authority was not independently established as of 2026-09-21.; accessed 2026-09-21.
- [Clients](https://www.withcoverage.com/clients) — With Coverage; Client testimonials referring to a competitive workers’ compensation, auto and general liability RFP, a reclassification agreed with carrier partners, and six carriers placed alongside an incumbent builders-risk insurer; no insurer named; accessed 2026-09-22.

## Agent and Developer Resources

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