---
title: "Is WithCoverage Legit? Licensing, Carriers and Reliability"
description: "This partial score helps you assess how clearly WithCoverage explains insurer access and brokerage terms before deciding whether its service fits."
canonical: "https://thegeneralaverage.com/insurance-providers/withcoverage/reliability"
page-type: "reliability-article"
updated-at: "2026-09-25"
provider: "withcoverage"
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/withcoverage/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is WithCoverage 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 WithCoverage 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 WithCoverage Legit? Licensing, Carriers and reliable?
- Is Is WithCoverage Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is WithCoverage Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is WithCoverage Legit? Licensing, Carriers and (provider slug `withcoverage`).
- 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 2026-09-25. 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 WithCoverage Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/withcoverage) — same provider: provider profile: products, coverage lines and sources
- [Is WithCoverage Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/withcoverage/reviews) — same provider: customer review evidence and Reliability Score
- [Is WithCoverage Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/withcoverage/alternatives) — same provider: closest alternative providers

# Is WithCoverage Legit? Licensing, Carriers and Reliability

This partial score helps you assess how clearly WithCoverage explains insurer access and brokerage terms before deciding whether its service fits.

## WithCoverage Reliability Scores for 2026

- **Role:** Broker

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

**Assessed 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.**

This partial Broker Reliability Score covers carrier-network strength, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Reliability Score:** **5.0/10**
- **Subject:** Assessed 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.
- **Role:** Broker
- **Scope:** With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Carrier-Network Strength, Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

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

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

## What Our Research Found About WithCoverage

### WithCoverage Legal Identity

With Coverage's terms distinguish With Coverage Inc. and With Coverage Insurance Services LLC. The license table and Liberty Mutual directory identify With Coverage Insurance Services LLC as an insurance-services/brokerage entity; no reviewed source identifies either entity as a policy insurer. [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267)

### WithCoverage Licensing

With Coverage publishes a current table for With Coverage Insurance Services LLC with entries across the states and DC, including California 6011578, Massachusetts 3002802342, Maine AGN462479, New York PC-1820286 and BR-1820286, and Wisconsin 3002709243. These are company-reported disclosures and do not establish active authority, appointments or product eligibility without state-specific confirmation. [Licenses](https://www.withcoverage.com/licenses)

Wisconsin OCI explains that a firm's authority lies with its DRLP and active lines, so the published Wisconsin number alone does not establish authority for a particular account. [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

### WithCoverage Financial Strength

The reviewed With Coverage materials describe brokerage operations and disclose business or funding context, but do not publish entity-specific audited financial statements, statutory surplus, capital or liquidity figures, or an insurer financial-strength rating. Funding or investor information would not establish insurance solvency for a broker and is not used as a rating proxy. [Company](https://www.withcoverage.com/company), [Terms Of Use](https://www.withcoverage.com/terms)

### WithCoverage Risk Bearing

With Coverage describes placing and servicing commercial insurance and its terms distinguish broker services from insurer obligations. The actual policy issuer, capacity and reinsurance must be established from the quote and policy; no With Coverage-owned risk-bearing role was evidenced. [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company)

One With Coverage carrier relationship is evidenced, and the carrier publishes it. Liberty Mutual’s independent-agent directory lists WITH COVERAGE INSURANCE SERVICES LLC at 25 E 21st St Fl 10, New York, NY 10010, with a named agent. That is carrier-published rather than company-reported and establishes that Liberty Mutual presents With Coverage as one of its independent agents. The listing states no lines, limits, states or commercial binding authority, and its descriptive text is Liberty Mutual’s standard independent-agent copy rather than a statement about With Coverage’s book. [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267)

With Coverage itself names no insurer. Its terms state that any insurance coverage is subject to underwriting, carrier terms and exclusions, and that With Coverage makes no guarantee that quotes, terms, rates, coverage or services offered by insurers or other third parties will be available or suitable. Its client page refers to carriers only through customer testimonials — a competitive workers’ compensation, auto and general liability request for proposal, a reclassification agreed with its carrier partners, and six carriers placed alongside an incumbent builders-risk insurer — and names no insurer in any of them. Its published licence table records producer licence numbers in 49 jurisdictions, not carrier appointments. [Terms Of Use](https://www.withcoverage.com/terms), [Clients](https://www.withcoverage.com/clients), [Licenses](https://www.withcoverage.com/licenses)

The Liberty Mutual listing is therefore the only carrier-published evidence of a With Coverage carrier relationship located in this research, and no panel, programme, capacity figure or binding authority is disclosed in any source Spot could open. That describes the available disclosures rather than the relationships With Coverage holds. [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [Terms Of Use](https://www.withcoverage.com/terms)

### WithCoverage Claims Service

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

### WithCoverage Regulatory Record

The reviewed sources establish company-reported license disclosures and entity corroboration but do not complete a five-year regulatory or enforcement result for With Coverage Inc. or With Coverage Insurance Services LLC. No conclusion is drawn from that incomplete search. [Licenses](https://www.withcoverage.com/licenses), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)

## WithCoverage Licenses and Authority Records

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

## Regulator Searches for WithCoverage

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

## WithCoverage Reliability Scores by Factor

### WithCoverage Broker Reliability Score

Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licenses](https://www.withcoverage.com/licenses), [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Carrier-Network Strength | 1.99 | 30% | 3.32 | [Terms Of Use](https://www.withcoverage.com/terms), [Company](https://www.withcoverage.com/company), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [Clients](https://www.withcoverage.com/clients), [Licenses](https://www.withcoverage.com/licenses) |
| Disclosure Clarity | 2.05 | 15% | 1.71 | [Terms Of Use](https://www.withcoverage.com/terms), [Licenses](https://www.withcoverage.com/licenses), [With Coverage Insurance Services LLC — Local agents in New York, NY](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [Company](https://www.withcoverage.com/company), [Clients](https://www.withcoverage.com/clients), [Risk Advisors](https://www.withcoverage.com/risk-advisors) |

## What We Couldn’t Confirm About WithCoverage

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

## Insurance Terms Related to WithCoverage

- [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 WithCoverage Reliability Research

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

## Agent and Developer Resources

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