---
title: "Is Counterpart Legit? Licensing, Carriers and Reliability"
description: "This partial score shows what we could verify about Counterpart's licensing, carrier relationships and how clearly it explains its terms, so you know what to ask before you buy."
canonical: "https://thegeneralaverage.com/insurance-providers/counterpart/reliability"
page-type: "reliability-article"
updated-at: "2026-09-29"
provider: "counterpart"
content-type: "reliability"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/insurance-providers/counterpart/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is Counterpart Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is Counterpart Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is Counterpart Legit? Licensing, Carriers and reliable?
- Is Is Counterpart Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is Counterpart Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is Counterpart Legit? Licensing, Carriers and (provider slug `counterpart`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-29. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is Counterpart Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/counterpart) — same provider: provider profile: products, coverage lines and sources
- [Is Counterpart Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/counterpart/reviews) — same provider: customer review evidence and Reliability Score
- [Is Counterpart Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/counterpart/alternatives) — same provider: closest alternative providers

# Is Counterpart Legit? Licensing, Carriers and Reliability

This partial score shows what we could verify about Counterpart's licensing, carrier relationships and how clearly it explains its terms, so you know what to ask before you buy.

## Counterpart Reliability Scores for 2026

- **Role:** Broker

- **Scope:** Limited to the U.S. producer and surplus-lines-broker role of Counterpart Insurance Services, Inc., the entity that Counterpart's own pages say offers its insurance. It does not assess Counterpart, Inc. as a contracting party or the financial strength of any insurer.

**Assessment subject unavailable**

This partial Broker Reliability Score covers carrier relationships and how clearly it explains its terms. It uses 45% of the rubric's factor weighting, normalized to a ten-point scale. Anything without enough evidence is left out, not scored as zero.

- **Broker Reliability Score:** **Assessment subject unavailable**
- **Subject:** Assessment subject unavailable
- **Role:** Broker
- **Scope:** Limited to the U.S. producer and surplus-lines-broker role of Counterpart Insurance Services, Inc., the entity that Counterpart's own pages say offers its insurance. It does not assess Counterpart, Inc. as a contracting party or the financial strength of any insurer.
- **Assessed:** 2026-09-29
- **Review due:** 2026-10-29
- **Factor basis:** No current numerical score because assessment subject attribution is unavailable.

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [Counterpart](https://thegeneralaverage.com/insurance-providers/counterpart)

## What Our Research Found About Counterpart

### Who Counterpart is and what it is licensed to do

Counterpart says its policies are offered by Counterpart Insurance Services, Inc., a licensed insurance producer and surplus lines broker. Its license page reports a national producer number, 19374834, and licenses in all 50 states and D.C. Those numbers are Counterpart's own report. [Licenses & Carriers](https://yourcounterpart.com/licenses), [Counterpart home page](https://yourcounterpart.com/)

North Carolina's Secretary of State lists Counterpart Insurance Services, Inc. as an active company created on 21 September 2021, with an annual report filed on 3 March 2026. That confirms the company exists. It does not confirm an insurance license. [Counterpart Insurance Services, Inc.](https://www.sosnc.gov/online_services/business_registration/flow_annual_report/17872153)

The terms of service name a different company, Counterpart, Inc., as the party you contract with, and fees are paid to it. Counterpart says it sells only through licensed wholesale brokers, so a business normally reaches it through its own retail agent. [Counterpart Terms of Service](https://yourcounterpart.com/terms), [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart)

### Which insurers stand behind Counterpart's policies

Counterpart names three underwriters: Aspen Specialty Insurance Company, Evanston Insurance Company (a Markel company) and Westfield Specialty. Its license page lists the legal entities with NAIC numbers and states of domicile: Aspen Specialty 10717 (Texas), Evanston 35378 (Illinois), Westfield Specialty 16992 (Ohio), plus Westfield Insurance Company 24112 and Westfield Select 17105. Counterpart says Westfield Specialty writes its admitted management liability product, available in 35 states as of June 2024. [Licenses & Carriers](https://yourcounterpart.com/licenses), [About Counterpart](https://yourcounterpart.com/about), [Who backs Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438838-who-backs-counterpart), [Counterpart teams with Westfield Specialty to launch admitted management liability product](https://www.reinsurancene.ws/counterpart-teams-with-westfield-specialty-to-launch-admitted-management-liability-product/)

An independent rating action confirms each insurer's strength. AM Best upgraded Aspen Specialty to A+ (Superior) on 4 September 2026. It affirmed Westfield Insurance Company and its affiliates at A (Excellent) in March 2025, and Evanston at A (Excellent) as part of the Markel North America group in November 2025. Counterpart's own pages still show A (XV) for all three as of February 2024, which is out of date for Aspen. These ratings belong to the insurers, not to Counterpart. [AM Best Removes From Under Review With Positive Implications and Upgrades Credit Ratings of Aspen Insurance Holdings and Its Subsidiaries](https://finance.yahoo.com/markets/stocks/articles/am-best-removes-under-review-161800528.html), [AM Best Revises Outlook to Stable for Ohio's Westfield](https://www.insurancejournal.com/news/midwest/2025/03/05/814348.htm), [AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=36790), [About Counterpart](https://yourcounterpart.com/about)

Counterpart's site shows which insurer writes each product line only as a list, not product by product. Counterpart worked with Aspen on its professional liability product in 2022, and a trade article at the time said Counterpart is not a traditional MGA with delegated authority from Aspen. Counterpart's own press page says it raised $50 million in May 2026 partly to retain risk through Counterpart Insurance Company, which is not yet a confirmed policy issuer. [Counterpart launches Aspen-backed miscellaneous professional product](https://coverager.com/counterpart-launches-aspen-backed-miscellaneous-professional-product-to-management-liability-suite/), [Counterpart press articles](https://press.yourcounterpart.com/press/)

### Claims and what Counterpart tells buyers

Counterpart says it runs claims management in-house for its small-business customers, and a January 2024 announcement names Aspen and Markel as the carrier partners behind it. The company also says it closes claims twice as fast as the industry average and reports satisfaction figures. Those are company statements with no published method or sample. [Counterpart home page](https://yourcounterpart.com/), [Counterpart launches management liability claims handling for all SMB customers](https://www.fintechfutures.com/press-releases/counterpart-launches-management-liability-claims-handling-for-all-smb-customers)

The license page says Counterpart may be paid by an insurer or other intermediary, that policy terms override website text, and that products vary by state. It does not say who decides a claim on a given policy. The terms of service require binding arbitration through the American Arbitration Association for disputes with Counterpart, Inc. [Licenses & Carriers](https://yourcounterpart.com/licenses), [Counterpart Terms of Service](https://yourcounterpart.com/terms)

### Counterpart Regulatory record

We found no enforcement actions naming Counterpart Insurance Services in public sources. That isn’t the same as a full regulator search, so it doesn’t prove a clean record. [California Department of Insurance license number search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

## Counterpart Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| Counterpart Insurance Services, Inc. | United States: 50 states and District of Columbia, as reported by Counterpart | National Producer Number | 19374834 | Insurance producer; surplus-lines broker | Counterpart's license page reports this authority and says product availability may vary by state. No regulator record was retrieved. | [Licenses & Carriers](https://yourcounterpart.com/licenses), [Counterpart home page](https://yourcounterpart.com/) |
| Counterpart Insurance Services, Inc. | California | State license | 6000547 | California license as displayed in Counterpart's footer | Company-published. The California Department of Insurance lookup returned no data, so status and lines are not confirmed. | [Counterpart home page](https://yourcounterpart.com/), [California Department of Insurance license number search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |
| Aspen Specialty Insurance Company | All U.S. states and D.C., as listed by Counterpart | NAIC company code | 10717 | Insurer company code, Texas domicile | Counterpart's carrier table lists coverage in all states and D.C. This is company-reported, not a regulator record. | [Licenses & Carriers](https://yourcounterpart.com/licenses) |
| Evanston Insurance Company | 50 states, D.C. and territories, as listed by Counterpart | NAIC company code | 35378 | Insurer company code, Illinois domicile | Counterpart's carrier table lists this coverage. Company-reported. | [Licenses & Carriers](https://yourcounterpart.com/licenses) |
| Westfield Specialty Insurance Company | All U.S. states and D.C., as listed by Counterpart | NAIC company code | 16992 | Insurer company code, Ohio domicile | Counterpart's carrier table lists this coverage. Company-reported. | [Licenses & Carriers](https://yourcounterpart.com/licenses) |

## Regulator Searches for Counterpart

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| U.S. states and District of Columbia | company-reported | Counterpart's license page is the source for the 50-state and D.C. producer and surplus-lines-broker claim. No regulator verification is represented. | [Licenses & Carriers](https://yourcounterpart.com/licenses) |
| California (Department of Insurance) | inaccessible | We didn't find data for license number 6000547. That is not a finding that no license exists. | [California Department of Insurance license number search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |
| North Carolina (Secretary of State, corporate record) | verified | Counterpart Insurance Services, Inc. is listed as active, created 9/21/2021, with an annual report filed 3/3/2026. | [Counterpart Insurance Services, Inc.](https://www.sosnc.gov/online_services/business_registration/flow_annual_report/17872153) |
| U.S. state insurance regulator enforcement records | not-researched | We haven’t checked state enforcement databases directly. Public sources show no actions naming the company, which isn’t conclusive. |  |

## Counterpart Reliability Scores by Factor

### Counterpart Broker Reliability Score

No numerical factor breakdown is published for the Broker Reliability Score.

## What We Couldn’t Confirm About Counterpart

- No regulator record was retrieved for Counterpart Insurance Services, Inc.'s license status, so the 50-state and D.C. authority and the NPN are company-reported.
- The insurer for each product and state is not mapped, and the list of insurers is not a placement record.
- Whether Counterpart Insurance Company issues policies today is not established.
- No five-year regulator conduct search was completed for Counterpart Insurance Services, Inc. or Counterpart, Inc. Absence of results is not a clean record.
- Counterpart's claims-speed and satisfaction figures have no published method, and who decides a claim for a given policy is not disclosed.
- Insurer ratings come from press coverage of AM Best releases, and the Markel release was read earlier by another reviewer. We haven't confirmed them directly on AM Best.
- No customer rating from an independent review platform was found.

## Insurance Terms Related to Counterpart

- [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating)

## Sources for Counterpart Reliability Research

- [Licenses & Carriers](https://yourcounterpart.com/licenses) — Counterpart Insurance Services, Inc.; Provider-published reported NPN 19374834, entity, producer/surplus-lines role, 50 states + D.C.; carrier and obligation boundary. Not independent regulator verification.; accessed 2026-09-28.
- [About Counterpart](https://yourcounterpart.com/about) — Counterpart, Inc.; Names Aspen, Evanston/Markel, Westfield; not complete line/state placement map. Rating footnote is dated 2024-02-26.; accessed 2026-09-29.
- [Counterpart press articles](https://press.yourcounterpart.com/press/) — Counterpart press site; May 2026 future first-time risk retention through Counterpart Insurance Company; no evidence current policy issuance.; accessed 2026-09-29.
- [Counterpart home page](https://yourcounterpart.com/) — Counterpart; Footer: products offered by Counterpart Insurance Services, Inc., a licensed producer and surplus lines broker; CA license 6000547; three carrier names; in-house claims statements (company-published).; accessed 2026-09-29.
- [Counterpart Terms of Service](https://yourcounterpart.com/terms) — Counterpart; Contracting party named as Counterpart, Inc.; fees payable to it; AAA arbitration clause; footer repeats producer and surplus lines broker role.; accessed 2026-09-29.
- [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart) — Counterpart help center; States Counterpart only sells through licensed insurance wholesale brokers; retail businesses are connected to a wholesaler.; accessed 2026-09-29.
- [Who backs Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438838-who-backs-counterpart) — Counterpart help center; Names Aspen Specialty, Evanston (a Markel company) and Westfield Specialty as underwriters, ratings stated as of February 2024, and venture investors.; accessed 2026-09-29.
- [Counterpart Insurance Services, Inc.](https://www.sosnc.gov/online_services/business_registration/flow_annual_report/17872153) — North Carolina Secretary of State; Entity record: Active, created 9/21/2021, most recent annual report filed 3/3/2026.; accessed 2026-09-29.
- [Counterpart launches management liability claims handling for all SMB customers](https://www.fintechfutures.com/press-releases/counterpart-launches-management-liability-claims-handling-for-all-smb-customers) — FinTech Futures (press release); Dated January 16, 2024: Counterpart handles claims management for its small-business customers; carrier partners Aspen and Markel; 90% claims satisfaction is company-reported.; accessed 2026-09-29.
- [Counterpart teams with Westfield Specialty to launch admitted management liability product](https://www.reinsurancene.ws/counterpart-teams-with-westfield-specialty-to-launch-admitted-management-liability-product/) — Reinsurance News; Announced June 13, 2024: Westfield Specialty underwrites the admitted product; available in 35 states; Counterpart supplies the platform.; accessed 2026-09-29.
- [Counterpart launches Aspen-backed miscellaneous professional product](https://coverager.com/counterpart-launches-aspen-backed-miscellaneous-professional-product-to-management-liability-suite/) — Coverager; Dated December 1, 2022: Aspen is the underwriting partner for the MPL product; article says Counterpart is not a traditional MGA with delegated authority from Aspen.; accessed 2026-09-29.
- [AM Best Removes From Under Review With Positive Implications and Upgrades Credit Ratings of Aspen Insurance Holdings and Its Subsidiaries](https://finance.yahoo.com/markets/stocks/articles/am-best-removes-under-review-161800528.html) — AM Best (via Yahoo Finance); Dated September 4, 2026: Aspen Specialty Insurance Company FSR upgraded to A+ (Superior) from A (Excellent); Long-Term ICR aa-.; accessed 2026-09-29.
- [AM Best Revises Outlook to Stable for Ohio's Westfield](https://www.insurancejournal.com/news/midwest/2025/03/05/814348.htm) — Insurance Journal; Dated March 5, 2025: Westfield Insurance Company and affiliates FSR A (Excellent) and Long-Term ICR a+ affirmed, outlook revised to stable.; accessed 2026-09-29.
- [AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=36790) — AM Best; Press release dated November 21, 2025: FSR A (Excellent) and Long-Term ICR a+ affirmed for Markel North America Insurance Group members including Evanston Insurance Company.; accessed 2026-09-28.
- [California Department of Insurance license number search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; Search for license 6000547 returned no data in this session; nothing is concluded.; accessed 2026-09-29.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/counterpart/reliability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)