Counterpart vs 
StartupInsurance.ai: How Do They Compare for Business Insurance?
Counterpart describes quote entry whose binding route remains unclear; StartupInsurance.ai describes online quote entry. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.
Introduction to the Counterpart vs StartupInsurance.ai Comparison
Counterpart and StartupInsurance.ai describe different quote routes: quote entry whose binding route remains unclear and online quote entry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 20
Counterpart vs StartupInsurance.ai Coverage Lines Compared
| Coverage | Counterpart | StartupInsurance.ai |
|---|---|---|
| Builders risk | Not listed | Listed 18StartupInsurance.ai arranges builders risk insurance for startups. |
| Commercial auto | Not listed | Listed 18StartupInsurance.ai arranges commercial auto insurance for startups. |
| Commercial property | Not listed | Listed 18StartupInsurance.ai arranges commercial property insurance for startups. |
| Crime | Listed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. | Listed 18StartupInsurance.ai arranges commercial crime insurance for startups. |
| Cyber liability | Not listed | Listed 18StartupInsurance.ai arranges cyber insurance for startups. |
| Directors and officers | Listed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. | Listed 18StartupInsurance.ai arranges directors and officers liability insurance for startups. |
| Employment practices liability | Listed 11Named Employment Practices Liability product; examples and policy terms govern. | Listed 18StartupInsurance.ai arranges employment practices liability insurance for startups. |
| Fiduciary liability | Listed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. | Listed 18StartupInsurance.ai arranges fiduciary liability insurance for startups. |
| General liability | Listed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. | Listed 18StartupInsurance.ai arranges general liability insurance for startups. |
| Medical malpractice | Listed 15Allied healthcare liability for named classes; not universal conventional malpractice. | Not listed |
| Product liability | Not listed | Listed 18StartupInsurance.ai arranges product liability insurance for startups. |
| Professional errors and omissions (E&O) | Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions. | Listed 18StartupInsurance.ai arranges professional errors and omissions insurance for startups. |
| Surety bonds | Not listed | Listed 18StartupInsurance.ai arranges surety bonds for startups. |
| Technology errors and omissions (E&O) | Not listed | Listed 18StartupInsurance.ai arranges technology errors and omissions insurance for startups. |
| Tools, equipment and inland marine | Not listed | Listed 18StartupInsurance.ai arranges inland marine insurance for startups. |
| Umbrella and excess liability | Not listed | Listed 18StartupInsurance.ai arranges umbrella and excess liability insurance for startups. |
| Workers’ compensation | Not listed | Listed 18StartupInsurance.ai arranges workers’ compensation insurance for startups. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Counterpart vs StartupInsurance.ai Research by Coverage Line
Open what Counterpart and StartupInsurance.ai each document for one coverage line.
Crime Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
General Liability Insurance
Professional Liability (E&O) Insurance
Current Reliability Scores for Counterpart and StartupInsurance.ai
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Counterpart Reliability Scores
BrokerBroker
No Reliability Score
StartupInsurance.ai Reliability Scores
BrokerBroker
4.9/ 10Counterpart and StartupInsurance.ai Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.
Read Counterpart reviewsStartupInsurance.ai Review Score
Review Score
No reviews found
StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.
Read StartupInsurance.ai reviewsKey Differences Between Counterpart and StartupInsurance.ai
Business Fit and Roles
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
StartupInsurance.ai is a route for startups to request coverage, while ContractorNerd Insurance Services, LLC acts as the agent or broker and does not underwrite the policies. The brand identifies itself as ContractorNerd’s marketing name. 19,22Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.
The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 StartupInsurance.ai's published material says: StartupInsurance.ai markets to startups and AI-native businesses, including hardware, robotics, energy and defense technology companies facing customer-contract or investor insurance requirements. 18 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 19
Getting a Quote
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. 20Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 20
Service After Binding
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.
The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. 19Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 19
What Should You Confirm in Counterpart and StartupInsurance.ai Quotes?
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 19
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 20
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 19
Counterpart vs StartupInsurance.ai Services Compared
What each provider documents about the services you may need
| Criteria | Counterpart | StartupInsurance.ai |
|---|---|---|
| Business role | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. | StartupInsurance.ai is a route for startups to request coverage, while ContractorNerd Insurance Services, LLC acts as the agent or broker and does not underwrite the policies. The brand identifies itself as ContractorNerd’s marketing name. 19,22Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification. ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. 21,22Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification. |
| Application process | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. 20Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification. |
| Servicing and renewals | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service. | The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. 19Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification. The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. 18Company-reported. Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification. |
Provider Profiles for Counterpart and StartupInsurance.ai
Sources for Counterpart vs StartupInsurance.ai
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
StartupInsurance.ai Official Website
- Startup Insurance | Coverage that clears the review. StartupInsurance.ai; Hero; Coverage: What we place and The startup program; AI coverage that names AI; Physical risk, because AI outgrew software; The paperwork runs itself; carrier panel; Straight talk; footer agency and issuer disclosure. Accessed 2026-09-16.
- Company | Startup Insurance. StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
- Apply for Startup Insurance | StartupInsurance.ai. StartupInsurance.ai; Initial coverage selection and seven-step navigation. Accessed 2026-09-16.
- Insurance Licenses. ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16.
- Terms and Conditions. ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16.
- Compensation Disclosure. ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. Accessed 2026-09-16.
