Alternatives to WTW
For Corporate Risk & Broking engagements governed by its North American terms, WTW says it normally acts as the client’s insurance intermediary. The terms separately disclose that WTW or affiliates may provide insurer-side services, including in some MGA or program-manager arrangements. When you compare another quote, match the business and requested protection first; a shared coverage label does not establish that the policy terms or eligibility are equivalent. 1,2
Absence from Spot’s documented catalogue does not establish that a coverage line is unavailable from a provider; it means Spot’s research does not yet document it.
What to Weigh
Start with the policy, not the shared line name. Ask each provider to confirm the insured entity, covered operations, limits, exclusions, and any conditions that matter to your risk before treating two quotes as substitutes. 1,2
Compare the route and ongoing service as well as the quote. Under WTW’s North American Corporate Risk & Broking terms, an insurer quote is an offer, not confirmation of coverage, and may change or be withdrawn before the client orders binding. If the client chooses to bind, WTW says it will secure a formal insurer commitment, typically a binder. Ask who can bind the policy, who handles changes and renewals, and where to report a claim. 1,2
The coverage list is generated from published provider profiles and is a way to find options to investigate. Confirm that the coverage is available for your business and state, and compare the actual policy forms and endorsements before choosing. 1,2
Cargo and transit
AIG Ocean Cargo
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges inland and ocean marine coverage for goods in transit.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.Chubb offers cargo insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Corgi lists a cargo contractual liability product in its transportation offering.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists motor truck cargo and ocean marine coverage options.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Founder Shield lists transit and transportation coverage for goods in transit or stored offsite.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Heffernan arranges marine cargo insurance for freight, import and export businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges cargo insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges cargo insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel cargo and transit coverage
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists cargo stock throughput among the coverages its property team handles.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.Travelers offers cargo insurance through its transportation, cargo and logistics offering.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges cargo and transit insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.WithCoverage reviews cargo exposures in consumer-business insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. 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.
Commercial property
AIG Commercial Property / Retail Property
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges property insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers property coverage within its property and casualty product.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers commercial property insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists commercial property in its coverage catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker offers help obtaining commercial property insurance and invites property quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists property insurance among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Commercial property product page.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges commercial property insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists commercial property insurance and describes approaching insurance companies for customers.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges commercial property insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges commercial property insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAs of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges commercial property insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel commercial property
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAs of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists commercial property insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRisklytics arranges commercial property insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.Offered as part of a BOP, rather than as a standalone policy.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableStartupInsurance.ai arranges commercial property insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.TechInsurance arranges commercial property insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. 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.Listed for real-estate, professional-services and other named commercial sectors.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers commercial property insurance.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers commercial property insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges commercial property insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.As of September 16, 2026, Vouch lists business property for health care and life sciences programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. 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.Zurich markets commercial property insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Crime
AIG Crime Insurance / CrimeGuard Choice
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges crime insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges employee crime (fidelity) insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers commercial crime insurance.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.named Management Liability coverage and configurable Epack 3 component
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists crime insurance among its main policies.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableNamed Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists crime coverage in its catalog and invites quote requests.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists commercial crime and offers a corresponding quote path.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists crime insurance among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges crime insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges crime insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges commercial crime insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges commercial crime insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Cyber 360 eCrime component (standalone product not established)
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAs of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists crime insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges commercial crime insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.StartupInsurance.ai arranges commercial crime insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.Listed as commercial crime or crime/fidelity within specified sectors.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers crime insurance as a management-liability coverage option.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers commercial crime insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges crime insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Cyber liability
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges cyber liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges cyber insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Broker5.2/ 10Carrier & MGA7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Beazley offers cyber insurance for small and midsized businesses.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers cyber insurance, including primary and excess products.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers cyber insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers cyber insurance.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists cyber insurance among its business insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoverdash lists cyber insurance in its coverage catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers standalone and excess cyber products through its insurance-agency business.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker lists cyber insurance with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists cyber liability among its core offerings.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Cyber product page; policy terms and limits not established.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges cyber insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper lists cyber insurance and describes approaching insurers for customers.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges cyber insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox offers cyber insurance for small businesses.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges cyber insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists cyber liability and compares business details with carrier appetite.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges cyber insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Cyber 360
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges cyber insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront places cyber insurance, negotiates policy wording and provides claims consultation.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie provides access to cyber insurance quotes from carrier partners.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Relm lists cyber insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableResilience markets cyber insurance on a primary or excess basis.
Broker5.0/ 10Carrier & MGAAssessed provider: Resilience. Scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed.RiskCube arranges cyber insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
Broker5.4/ 10Carrier & MGAAssessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.Add-on for select buyers purchasing another business policy; phone quote route.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableStartupInsurance.ai arranges cyber insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.TechInsurance arranges cyber insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. 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.Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers cyber insurance and data-breach coverage.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges cyber insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists cyber liability in its technology-company programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. 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.Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Employment practices liability
AIG Employment Practices Liability Insurance
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges employment practices liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges employment practices liability.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers employment practices liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers employment practices liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists employment practices liability among its business-insurance offerings.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableNamed Employment Practices Liability product; examples and policy terms govern.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists employment practices coverage in its quote catalog.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker offers quotes for employment practices liability as an individual coverage.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Founder Shield lists employment practices liability among its core coverage services.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Gallagher arranges employment practices liability.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Heffernan arranges employment practices liability.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges employment practices liability insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges employment practices liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel employment practices liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges employment practices liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists employment practices liability for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableRiskCube arranges employment practices liability insurance for startups.
Broker5.9/ 10Carrier & MGAAssessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.StartupInsurance.ai arranges employment practices liability insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.TechInsurance arranges employment practices liability insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. 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.Listed as employment-practices liability for the named commercial sector examples.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers employment practices liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges employment practices liability insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists employment practices liability within its insurance programs for technology companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.Zurich markets Employment Practices Liability Insurance (EPLI).
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Management liability
AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk advises on management-liability packages and standalone options.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.Beazley offers management liability insurance for private organizations through ExecuGuard.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers management liability insurance.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash arranges management liability insurance.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.
BrokerCarrier & MGA6.3/ 10Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.Embroker markets a management insurance suite for private companies.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Harper arranges management liability insurance through its partner brokerage service.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges management liability insurance.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges management liability insurance through its professional and executive risk practice.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Markel management liability
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges management liability insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront arranges management liability insurance for private and public companies.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers management-liability packages, including Private Choice Premier.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Travelers offers management liability insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Zurich markets a management liability portfolio with multiple distinct lines.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Professional errors and omissions (E&O)
AIG entity-based Professional Liability / Specialty Professional E&O
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableAlliance Risk arranges professional liability insurance.
Broker5.8/ 10Carrier & MGAAssessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.Amelia Risk arranges professional errors and omissions insurance for startups.
Broker5.1/ 10Carrier & MGAAssessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.At-Bay offers primary miscellaneous professional liability insurance.
Broker5.2/ 10Carrier & MGA7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Broker6.9/ 10Carrier & MGA5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.Professional First materials describe a professional-liability portfolio with several professions and service types.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
CFC offers professional liability insurance for professional-service businesses.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableChubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableCoalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Broker6.1/ 10Carrier & MGA6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableCoterie lists miscellaneous professional liability for eligible small businesses in participating states.
BrokerCarrier & MGA5.1/ 10Assessed provider: Coterie Insurance. Scope: Coterie brand/platform and Coterie Insurance Agency, LLC as an agency/MGA operation, with exact carrier evidence limited to Spinnaker Insurance Company for eligible Texas coastal BOP risks. No provider-wide rating or universal state-authority conclusion is verified.Several separately scoped professional-liability programs; do not generalize terms across professions.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableCoverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Broker5.0/ 10Carrier & MGA6.7/ 10Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Assessed provider: ERGO NEXT Insurance. Scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only.Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Broker5.3/ 10Carrier & MGAAssessed provider: Founder Shield. Scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage.Professional E&O product page.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableGallagher arranges professional errors and omissions insurance for small businesses.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges professional errors and omissions insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.Hiscox offers professional errors and omissions insurance for small businesses.
Broker5.4/ 10Carrier & MGA6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.HUB International arranges professional errors and omissions insurance.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableKinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Broker5.0/ 10Carrier & MGAAssessed provider: Kinro. Scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges professional errors and omissions insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel ProBiz miscellaneous E&O
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh arranges professional errors and omissions insurance.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront lists errors and omissions among its executive-risk coverage services.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Broker5.3/ 10Carrier & MGA6.3/ 10Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.Relm lists professional errors and omissions insurance for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailable- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
StartupInsurance.ai arranges professional errors and omissions insurance for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.TechInsurance arranges professional errors and omissions insurance for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. 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.Listed as professional liability/E&O for professional-services and government-contractor audiences.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.The Hartford offers professional liability insurance for service businesses.
BrokerCarrier & MGA7.3/ 10Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
BrokerCarrier & MGANot RatedAssessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.Travelers offers professional errors and omissions insurance.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges professional errors and omissions insurance.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Vouch lists errors and omissions among the core coverages in its professional-services programs.
Broker5.0/ 10Carrier & MGAAssessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.WithCoverage includes errors and omissions in its technology insurance-program review services.
Broker5.0/ 10Carrier & MGAAssessed provider: WithCoverage. 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.Zurich markets professional errors and omissions insurance.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Surety bonds
Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability.
Broker6.7/ 10Carrier & MGAAssessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.
BrokerCarrier & MGA7.0/ 10Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.Chubb offers surety bonds.
BrokerCarrier & MGA6.4/ 10Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Coverdash lists surety bonds in its Excess & Specialty catalog with a quote route.
Broker5.1/ 10Carrier & MGAAssessed provider: Coverdash. Scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific.Embroker arranges construction-contract and license or permit surety bonds.
Broker5.1/ 10Carrier & MGAAssessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.Gallagher arranges surety bonds.
Broker5.5/ 10Carrier & MGAAssessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.Harper arranges license, permit and contract surety bonds.
Broker5.9/ 10Carrier & MGAAssessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.Heffernan arranges surety bonds, including through a linked online bond portal.
Broker5.0/ 10Carrier & MGAAssessed provider: Heffernan Insurance Brokers. Scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement.HUB International arranges surety bonds.
Broker5.5/ 10Carrier & MGAAssessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable- BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailable
Lockton arranges surety bonds.
Broker5.6/ 10Carrier & MGAAssessed provider: Lockton. Scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.Markel Surety bonds
BrokerCarrier & MGA7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds.
Broker5.6/ 10Carrier & MGAAssessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.- BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailable
Mylo compares commercial surety-bond quotes for license or permit obligations.
Broker5.0/ 10Carrier & MGAAssessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy.
BrokerCarrier & MGAAssessment subject unavailableAssessment subject unavailableNewfront arranges contract and commercial surety bonds.
Broker5.0/ 10Carrier & MGAAssessed provider: Newfront. Scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned.Relm lists contract surety for placement through brokers.
BrokerAssessment subject unavailableCarrier & MGAAssessment subject unavailableAssessment subject unavailableAssessment subject unavailableStartupInsurance.ai arranges surety bonds for startups.
Broker4.9/ 10Carrier & MGAAssessed provider: StartupInsurance.ai. 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.TechInsurance arranges surety bonds for small businesses.
Broker5.0/ 10Carrier & MGAAssessed provider: TechInsurance. 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.Dedicated surety practice describes bond advisory/placement across contract, commercial and subdivision contexts.
BrokerNot RatedCarrier & MGAAssessed provider: The Baldwin Group. Scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement.Travelers offers surety bonds.
BrokerCarrier & MGA6.1/ 10Assessed provider: Travelers. Scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation.USI arranges contract, commercial and international surety bonds.
Broker5.3/ 10Carrier & MGAAssessed provider: USI Insurance Services. Scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer.Zurich markets construction and corporate surety bonds.
BrokerCarrier & MGANot RatedAssessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.
Sources
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). WTW; Document dated 2025-06-01; pp. 4–6: quote/binding, document review, claims reporting, intermediary and affiliate disclosures. Accessed 2026-09-28.
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). WTW; Document dated 2024-01-01; pp. 4–5 and 7: quote/binding, document review, claims reporting and Brokerage Disclosures. Accessed 2026-09-28.
