---
title: "Is My Insurance Provider Reliable?"
description: "Published reliability assessments for insurance providers, with each assessment's role and scope stated explicitly."
canonical: "https://spot.insure/insurance-reliability"
page-type: "reliability-directory"
updated-at: "2026-09-22"
entities: ["Spot"]
---

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

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

# Is My Insurance Provider Reliable?

Published reliability assessments for insurance providers, with the role and scope of each assessment stated explicitly.

Each role is assessed against its own criteria, so scores are ranked within a rubric and never across them. Partial scores exclude unavailable factors and normalize the remaining weighting: a higher score based on fewer factors does not establish a more reliable provider. Compare the included factors and scope, not just the number.

## Current provider rankings

Placing business and carrying risk are scored against different criteria, so each rubric is ranked on its own and a score from one cannot be read against a score from the other. A full-stack provider appears in both, once for each job it does.

## Brokers: current ranking

Broker Spot Scores are ordered from highest to lowest within this rubric only. They are produced from different factors and weights than the other rubric and are not comparable across the two. The included weighting and the factor exclusions are shown beside each score.

| Rank | Provider | Broker Spot Score | Included weight | Role | Scope | Factor basis |
| ---: | --- | ---: | ---: | --- | --- | --- |
| 1 | [Beazley](/insurance-providers/beazley/reliability) | 6.8/10 | 30% | Hybrid role | 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. | Included: Identity and Authority; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.; Disclosure Clarity: The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries. |
| 2 | [Coalition](/insurance-providers/coalition/reliability) | 6.3/10 | 75% | Hybrid role | 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 March 2024; 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. | Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity; excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 3 | [Corgi](/insurance-providers/corgi/reliability) | 6.0/10 | 75% | Hybrid role | Corgi Insurance Services, Inc. as producer and programme administrator, verified active in Texas, Pennsylvania and Colorado only, with Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as the separately disclosed risk-bearing entities. Capacity is assessed for three named channels and no others: coverages written on Corgi Insurance Company's own paper, where Georgia admitted and Pennsylvania surplus-lines authorisations are verified; coverages written by Technology Risk Retention Group, an Arizona-domiciled RRG registered in Georgia; and Pennsylvania placements with the three Employers-group carriers appointed to the producer entity. The unnamed partner carriers referenced in Corgi's disclaimer, and the carriers behind Corgi business in every other state, are not assessed. The Georgia producer identifier Corgi publishes did not resolve and is outside verified scope. | Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity; excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 4 | [RiskCube](/insurance-providers/riskcube/reliability) | 5.9/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 5 | [Alliance Risk](/insurance-providers/alliance-risk/reliability) | 5.8/10 | 75% | Broker | 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. | Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity; excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 6 | [Layr](/insurance-providers/layr/reliability) | 5.6/10 | 15% | Broker | Layr Holdings, Inc. as a broker-facing insurance technology and licensed support/agency operation, with the platform's broker-of-record and commission workflow; no carrier underwriting or policyholder-surplus role is included. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 6 | [Lockton](/insurance-providers/lockton/reliability) | 5.6/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 6 | [Marsh](/insurance-providers/marsh/reliability) | 5.6/10 | 45% | Broker | 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. | Included: Identity and Authority, Disclosure Clarity; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 9 | [Gallagher](/insurance-providers/gallagher/reliability) | 5.5/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 9 | [HUB International](/insurance-providers/hub-international/reliability) | 5.5/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 11 | [Risklytics](/insurance-providers/risklytics/reliability) | 5.4/10 | 45% | Broker | 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. | Included: Identity and Authority, Disclosure Clarity; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 12 | [Founder Shield](/insurance-providers/foundershield/reliability) | 5.3/10 | 40% | Broker | 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. | Included: Regulatory Conduct, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| 12 | [Hiscox](/insurance-providers/hiscox/reliability) | 5.3/10 | 45% | Hybrid role | 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. | Included: Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 12 | [Relm Insurance](/insurance-providers/relm/reliability) | 5.3/10 | 75% | Hybrid role | Relm Insurance Ltd.'s Bermuda-domiciled regulated insurance activity and Relm US Insurance Solutions Inc.'s separately licensed US producer/MGA and surplus-lines activity for emerging-industry risks. The Bermuda carrier, US intermediary and external fronting carriers are kept distinct; no US carrier status is assigned to Relm US Insurance Solutions Inc. | Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity; excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 12 | [USI Insurance Services](/insurance-providers/usi/reliability) | 5.3/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 16 | [At-Bay](/insurance-providers/at-bay/reliability) | 5.2/10 | 15% | Hybrid role | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 16 | [Pie Insurance](/insurance-providers/pie-insurance/reliability) | 5.2/10 | 45% | Hybrid role | 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. | Included: Identity and Authority, Disclosure Clarity; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 18 | [Amelia Risk](/insurance-providers/amelia-risk/reliability) | 5.1/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 18 | [Coverdash](/insurance-providers/coverdash/reliability) | 5.1/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 18 | [Embroker](/insurance-providers/embroker/reliability) | 5.1/10 | 45% | Broker | 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. | Included: Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [ERGO NEXT Insurance](/insurance-providers/next-insurance/reliability) | 5.0/10 | 45% | Hybrid role | 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.; the reviewed carrier rating and Mississippi authority are limited to Next Insurance US Company. | Included: Identity and Authority, Disclosure Clarity; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [Heffernan Insurance Brokers](/insurance-providers/heffernan/reliability) | 5.0/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [Kinro](/insurance-providers/kinro/reliability) | 5.0/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [Mylo](/insurance-providers/mylo/reliability) | 5.0/10 | 45% | Broker | Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific. | Included: Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [Newfront](/insurance-providers/newfront/reliability) | 5.0/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [Resilience](/insurance-providers/resilience/reliability) | 5.0/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [TechInsurance](/insurance-providers/techinsurance/reliability) | 5.0/10 | 30% | Broker | 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. | Included: Carrier-Network Strength; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.; Disclosure Clarity: The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries. |
| 21 | [Vouch](/insurance-providers/vouch/reliability) | 5.0/10 | 45% | Broker | 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. | Included: Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 21 | [WithCoverage](/insurance-providers/withcoverage/reliability) | 5.0/10 | 45% | Broker | 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. | Included: Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 30 | [StartupInsurance.ai](/insurance-providers/startupinsurance/reliability) | 4.9/10 | 15% | Broker | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |

Partial scores normalize the original weights of included factors; unavailable factors are excluded rather than treated as zero.

### Brokers without a current numerical score

These published assessments are listed alphabetically. Their status is shown without a score or ordinal ranking.

| Provider | Assessment | Role | Scope | Factor basis |
| --- | --- | --- | --- | --- |
| [Harper](/insurance-providers/harper/reliability) | Conflicting Evidence | Broker | Harper Global Enterprises Inc. d/b/a Harper Global Insurance Agency, the licensed producer of record, assessed for US commercial insurance placement and servicing activity. Producer authority is independently verified in Georgia, the firm's resident state, only; the published California licence and every other jurisdiction remain company-reported. Harper Group Corp., the name Harper's privacy policy uses for itself, holds no evidenced insurance authority anywhere and is outside the assessed entity scope, with its relationship to the licensee recorded as an open disclosure item. No carrier, market or programme behind a Harper placement is assessed, because none is evidenced. | Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.; Disclosure Clarity: The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries. |

## Insurers and Managing General Agents: current ranking

Carrier & MGA Spot Scores are ordered from highest to lowest within this rubric only. They are produced from different factors and weights than the other rubric and are not comparable across the two. The included weighting and the factor exclusions are shown beside each score.

| Rank | Provider | Carrier & MGA Spot Score | Included weight | Role | Scope | Factor basis |
| ---: | --- | ---: | ---: | --- | --- | --- |
| 1 | [Cowbell](/insurance-providers/cowbell/reliability) | 7.8/10 | 10% | Managing general agent | 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. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 2 | [The Hartford](/insurance-providers/the-hartford/reliability) | 7.3/10 | 45% | Insurance carrier | 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. | Included: Identity and Authority, Financial Resilience, Disclosure Clarity; excluded: Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 3 | [At-Bay](/insurance-providers/at-bay/reliability) | 7.1/10 | 30% | Hybrid role | 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. | Included: Financial Resilience, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 4 | [Chubb](/insurance-providers/chubb/reliability) | 7.0/10 | 25% | Insurance carrier | 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. | Included: Identity and Authority, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 5 | [Hiscox](/insurance-providers/hiscox/reliability) | 6.6/10 | 65% | Hybrid role | 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. | Included: Identity and Authority, Financial Resilience, Claims and Servicing, Disclosure Clarity; excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 6 | [ERGO NEXT Insurance](/insurance-providers/next-insurance/reliability) | 6.5/10 | 45% | Hybrid role | 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.; the reviewed carrier rating and Mississippi authority are limited to Next Insurance US Company. | Included: Identity and Authority, Financial Resilience, Disclosure Clarity; excluded: Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 6 | [Pie Insurance](/insurance-providers/pie-insurance/reliability) | 6.5/10 | 25% | Hybrid role | 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. | Included: Identity and Authority, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 8 | [Coalition](/insurance-providers/coalition/reliability) | 6.2/10 | 60% | Hybrid role | 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 March 2024; 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. | Included: Identity and Authority, Claims and Servicing, Carrier-Network Strength, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 9 | [Relm Insurance](/insurance-providers/relm/reliability) | 6.1/10 | 80% | Hybrid role | Relm Insurance Ltd.'s Bermuda-domiciled regulated insurance activity and Relm US Insurance Solutions Inc.'s separately licensed US producer/MGA and surplus-lines activity for emerging-industry risks. The Bermuda carrier, US intermediary and external fronting carriers are kept distinct; no US carrier status is assigned to Relm US Insurance Solutions Inc. | Included: Identity and Authority, Financial Resilience, Claims and Servicing, Carrier-Network Strength, Disclosure Clarity; excluded: Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 9 | [Travelers](/insurance-providers/travelers/reliability) | 6.1/10 | 45% | Insurance carrier | 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. | Included: Identity and Authority, Claims and Servicing, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 11 | [Beazley](/insurance-providers/beazley/reliability) | 5.7/10 | 45% | Hybrid role | 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. | Included: Identity and Authority, Claims and Servicing, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 11 | [CFC](/insurance-providers/cfc/reliability) | 5.7/10 | 45% | Managing general agent | CFC Underwriting Limited as the UK underwriting-management entity and CFC USA, Inc. as the US producer and managing general agent, for CFC-branded technology, cyber, professional and specialty products. US authority is verified in Georgia, Texas and Pennsylvania only, with delegated underwriting and All Lines adjusting authority verified in Texas alone. Capacity is assessed for one relationship and two states only: the appointment of CFC USA, Inc. by State National Insurance Company, Inc., NAIC 12831, recorded in Texas since 2022 and Pennsylvania since 2019, covering CFC's delegated admitted business in those states. No CFC product is mapped to that carrier by any source, and the arrangement is not evidence about CFC's business in the other 48 jurisdictions. Lloyd's Syndicate 1988 is a company-level disclosure and is not assessed as the capacity behind any named US programme. Financial resilience is assessed as CFC Underwriting Limited's ability to sustain its own operations; the insurer's capital is not CFC's and is out of scope. | Included: Identity and Authority, Claims and Servicing, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 13 | [Corgi](/insurance-providers/corgi/reliability) | 5.4/10 | 40% | Hybrid role | Corgi Insurance Services, Inc. as producer and programme administrator, verified active in Texas, Pennsylvania and Colorado only, with Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as the separately disclosed risk-bearing entities. Capacity is assessed for three named channels and no others: coverages written on Corgi Insurance Company's own paper, where Georgia admitted and Pennsylvania surplus-lines authorisations are verified; coverages written by Technology Risk Retention Group, an Arizona-domiciled RRG registered in Georgia; and Pennsylvania placements with the three Employers-group carriers appointed to the producer entity. The unnamed partner carriers referenced in Corgi's disclaimer, and the carriers behind Corgi business in every other state, are not assessed. The Georgia producer identifier Corgi publishes did not resolve and is outside verified scope. | Included: Identity and Authority, Carrier-Network Strength, Disclosure Clarity; excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 14 | [Armilla](/insurance-providers/armilla/reliability) | 5.2/10 | 10% | Managing general agent | Armilla Insurance Services Inc. as a company-named Lloyd's coverholder and AI insurance intermediary in North America, assessed against two named programmes and no others. For the AI Liability Insurance programme, also marketed as Armilla Insured, capacity is assessed as Armilla discloses it: a binding authority led by Chaucer and written by certain underwriters at Lloyd's, available to US insureds, offered through surplus lines insurers. For Armilla Guaranteed, a contractual performance warranty rather than insurance, no issuer is named and no capacity is assessed. The four reinsurers Armilla names on its broker page are attached to no programme and are not assessed as capacity for either. Financial resilience is scoped to Armilla's ability to sustain its own operations; the risk sits with the Lloyd's underwriters, whose capital is not Armilla's and is out of scope. | Included: Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| 15 | [Coterie Insurance](/insurance-providers/coterie/reliability) | 5.1/10 | 45% | Managing general agent | 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. | Included: Claims and Servicing, Carrier-Network Strength, Disclosure Clarity; excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |

Partial scores normalize the original weights of included factors; unavailable factors are excluded rather than treated as zero.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-reliability.md)
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- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)