---
title: "Business Insurance Provider Reliability and Reliability Scores: What to Check"
description: "Review business insurance provider reliability, regulatory standing and financial-strength evidence, with role-specific Reliability Scores and assessment limits."
canonical: "https://thegeneralaverage.com/insurance-reliability"
page-type: "reliability-directory"
---

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-reliability)

## Agent Guide

**What this page is:** The index of every provider with a published reliability assessment, with role-specific Reliability Scores side by side.

**Use this page when:** Fetch this to find which providers have been assessed or to compare scores within one role. Follow a row for the evidence.

**Questions this page answers:**
- Which business insurance providers are reliable?
- Which providers have Reliability Scores?

**Key facts:**
- Lists 55 assessed providers in the table.

**Limits (do not over-claim):**
- Scores are comparable only within the same role/rubric.
- Providers missing here have not been assessed, not necessarily unreliable.

**Provenance:** Generated from Spot's published assessments.

**Related pages:**
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — scoring methodology
- [Insurance providers directory](https://thegeneralaverage.com/insurance-providers) — provider profiles
- [Insurance reviews directory](https://thegeneralaverage.com/insurance-reviews) — review evidence

# Business Insurance Provider Reliability and Reliability Scores: What to Check

Review business insurance provider reliability, regulatory standing and financial-strength evidence, with role-specific Reliability Scores and assessment limits.

Each role is assessed against its own criteria — scores are ranked within a rubric, never across rubrics.

| Provider | Role | Best score | Carrier & MGA Spot Score | Broker Spot Score |
| --- | --- | --- | --- | --- |
| [The Hartford](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability) | Insurance carrier | 7.3/10 — Assessed provider: The Hartford; scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence. | 7.3/10 — Assessed provider: The Hartford; scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence. | — |
| [At-Bay](https://thegeneralaverage.com/insurance-providers/at-bay/reliability) | Hybrid role | 7.1/10 — Assessed provider: At-Bay; scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. | 7.1/10 — Assessed provider: At-Bay; scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. | 5.2/10 — Assessed provider: At-Bay; scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. |
| [Markel Insurance](https://thegeneralaverage.com/insurance-providers/markel/reliability) | Insurance carrier | 7.1/10 — Assessed entity: Markel Insurance Company; scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote. | 7.1/10 — Assessed entity: Markel Insurance Company; scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote. | — |
| [Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/reliability) | Insurance carrier | 7.0/10 — Assessed entity: Berkshire Hathaway Specialty Insurance Company; scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure. | 7.0/10 — Assessed entity: Berkshire Hathaway Specialty Insurance Company; scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure. | — |
| [WTW](https://thegeneralaverage.com/insurance-providers/wtw/reliability) | Broker | 7.0/10 — Assessed provider: WTW; scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses. | — | 7.0/10 — Assessed provider: WTW; scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses. |
| [Beazley](https://thegeneralaverage.com/insurance-providers/beazley/reliability) | Hybrid role | 6.9/10 — Assessed provider: Beazley; scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment. | 5.5/10 — Assessed provider: Beazley; scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment. | 6.9/10 — Assessed provider: Beazley; scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment. |
| [Aon](https://thegeneralaverage.com/insurance-providers/aon/reliability) | Broker | 6.7/10 — Assessed provider: Aon; scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses. | — | 6.7/10 — Assessed provider: Aon; scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses. |
| [ERGO NEXT Insurance](https://thegeneralaverage.com/insurance-providers/next-insurance/reliability) | Hybrid role | 6.7/10 — Assessed provider: ERGO NEXT Insurance; scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. | 6.7/10 — Assessed provider: ERGO NEXT Insurance; scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. | 5.0/10 — Assessed provider: ERGO NEXT Insurance; scope: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. |
| [Hiscox](https://thegeneralaverage.com/insurance-providers/hiscox/reliability) | Hybrid role | 6.7/10 — Assessed provider: Hiscox; scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. | 6.7/10 — Assessed provider: Hiscox; scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. | 5.4/10 — Assessed provider: Hiscox; scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. |
| [Chubb](https://thegeneralaverage.com/insurance-providers/chubb/reliability) | Insurance carrier | 6.4/10 — Assessed provider: Chubb; scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed. | 6.4/10 — Assessed provider: Chubb; scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed. | — |
| [Coalition](https://thegeneralaverage.com/insurance-providers/coalition/reliability) | Hybrid role | 6.3/10 — Assessed provider: Coalition; scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. | 6.3/10 — Assessed provider: Coalition; scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. | 6.1/10 — Assessed provider: Coalition; scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. |
| [Cowbell](https://thegeneralaverage.com/insurance-providers/cowbell/reliability) | Managing general agent | 6.3/10 — Assessed provider: Cowbell; scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context. | 6.3/10 — Assessed provider: Cowbell; scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context. | — |
| [Pie Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability) | Hybrid role | 6.3/10 — Assessed provider: Pie Insurance; scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer. | 6.3/10 — Assessed provider: Pie Insurance; scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer. | 5.3/10 — Assessed provider: Pie Insurance; scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer. |
| [Travelers](https://thegeneralaverage.com/insurance-providers/travelers/reliability) | Insurance carrier | 6.1/10 — Assessed provider: Travelers; scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation. | 6.1/10 — Assessed provider: Travelers; scope: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation. | — |
| [Harper](https://thegeneralaverage.com/insurance-providers/harper/reliability) | Broker | 5.9/10 — Assessed entity: Harper Global Enterprises Inc.; scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two. | — | 5.9/10 — Assessed entity: Harper Global Enterprises Inc.; scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two. |
| [RiskCube](https://thegeneralaverage.com/insurance-providers/riskcube/reliability) | Broker | 5.9/10 — Assessed provider: RiskCube; scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope. | — | 5.9/10 — Assessed provider: RiskCube; scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope. |
| [Alliance Risk](https://thegeneralaverage.com/insurance-providers/alliance-risk/reliability) | Broker | 5.8/10 — Assessed provider: Alliance Risk; scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope. | — | 5.8/10 — Assessed provider: Alliance Risk; scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope. |
| [Layr](https://thegeneralaverage.com/insurance-providers/layr/reliability) | Broker | 5.6/10 — Assessed provider: Layr; scope: 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. | — | 5.6/10 — Assessed provider: Layr; scope: 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. |
| [Lockton](https://thegeneralaverage.com/insurance-providers/lockton/reliability) | Broker | 5.6/10 — Assessed provider: Lockton; scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer. | — | 5.6/10 — Assessed provider: Lockton; scope: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer. |
| [Marsh](https://thegeneralaverage.com/insurance-providers/marsh/reliability) | Broker | 5.6/10 — Assessed provider: Marsh; scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed. | — | 5.6/10 — Assessed provider: Marsh; scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed. |
| [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher/reliability) | Broker | 5.5/10 — Assessed provider: Gallagher; scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named. | — | 5.5/10 — Assessed provider: Gallagher; scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named. |
| [HUB International](https://thegeneralaverage.com/insurance-providers/hub-international/reliability) | Broker | 5.5/10 — Assessed provider: HUB International; scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. | — | 5.5/10 — Assessed provider: HUB International; scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. |
| [Risklytics](https://thegeneralaverage.com/insurance-providers/risklytics/reliability) | Broker | 5.4/10 — Assessed provider: Risklytics; scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included. | — | 5.4/10 — Assessed provider: Risklytics; scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included. |
| [Founder Shield](https://thegeneralaverage.com/insurance-providers/foundershield/reliability) | Broker | 5.3/10 — Assessed provider: Founder Shield; scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage. | — | 5.3/10 — Assessed provider: Founder Shield; scope: Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website terms. No insurer, carrier solvency or policy-specific issuer is assigned to the brokerage. |
| [USI Insurance Services](https://thegeneralaverage.com/insurance-providers/usi/reliability) | Broker | 5.3/10 — Assessed provider: USI Insurance Services; scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer. | — | 5.3/10 — Assessed provider: USI Insurance Services; scope: USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive, employee-benefit and related commercial risks; the evidence covers placement and claims-support roles and does not identify USI as a risk-bearing insurer. |
| [Armilla](https://thegeneralaverage.com/insurance-providers/armilla/reliability) | Managing general agent | 5.2/10 — Assessed provider: Armilla; scope: 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. | 5.2/10 — Assessed provider: Armilla; scope: 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. | — |
| [Amelia Risk](https://thegeneralaverage.com/insurance-providers/amelia-risk/reliability) | Broker | 5.1/10 — Assessed provider: Amelia Risk; scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included. | — | 5.1/10 — Assessed provider: Amelia Risk; scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included. |
| [Coterie Insurance](https://thegeneralaverage.com/insurance-providers/coterie/reliability) | Managing general agent | 5.1/10 — Assessed provider: Coterie Insurance; scope: Coterie brand/platform and Coterie Insurance Agency, LLC as an agency/MGA operation, with exact carrier evidence limited to Spinnaker Insurance Company for eligible Texas coastal BOP risks. No provider-wide rating or universal state-authority conclusion is verified. | 5.1/10 — Assessed provider: Coterie Insurance; scope: Coterie brand/platform and Coterie Insurance Agency, LLC as an agency/MGA operation, with exact carrier evidence limited to Spinnaker Insurance Company for eligible Texas coastal BOP risks. No provider-wide rating or universal state-authority conclusion is verified. | — |
| [Coverdash](https://thegeneralaverage.com/insurance-providers/coverdash/reliability) | Broker | 5.1/10 — Assessed provider: Coverdash; scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific. | — | 5.1/10 — Assessed provider: Coverdash; scope: Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do not identify Coverdash as insurer or underwriting entity; policy issuer remains product and policy specific. |
| [Embroker](https://thegeneralaverage.com/insurance-providers/embroker/reliability) | Broker | 5.1/10 — Assessed provider: Embroker; scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue. | — | 5.1/10 — Assessed provider: Embroker; scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue. |
| [Heffernan Insurance Brokers](https://thegeneralaverage.com/insurance-providers/heffernan/reliability) | Broker | 5.0/10 — Assessed provider: Heffernan Insurance Brokers; scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement. | — | 5.0/10 — Assessed provider: Heffernan Insurance Brokers; scope: Heffernan Insurance Brokers retail brokerage and Heffernan Network Insurance Brokers subsidiary/service activity. Neither is treated as a carrier or generic policy issuer; the contracting producer must be identified for a specific placement. |
| [Kinro](https://thegeneralaverage.com/insurance-providers/kinro/reliability) | Broker | 5.0/10 — Assessed provider: Kinro; scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself. | — | 5.0/10 — Assessed provider: Kinro; scope: Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance. No carrier, MGA underwriting authority or risk-bearing status is assigned to Kinro itself. |
| [Mylo](https://thegeneralaverage.com/insurance-providers/mylo/reliability) | Broker | 5.0/10 — Assessed provider: Mylo; scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific. | — | 5.0/10 — Assessed provider: Mylo; scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific. |
| [Newfront](https://thegeneralaverage.com/insurance-providers/newfront/reliability) | Broker | 5.0/10 — Assessed provider: Newfront; scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned. | — | 5.0/10 — Assessed provider: Newfront; scope: Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance, benefits and claims-advocacy activity; WTW ownership is parent context and no carrier or risk-bearing role is assigned. |
| [Resilience](https://thegeneralaverage.com/insurance-providers/resilience/reliability) | Broker | 5.0/10 — Assessed provider: Resilience; scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed. | — | 5.0/10 — Assessed provider: Resilience; scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed. |
| [TechInsurance](https://thegeneralaverage.com/insurance-providers/techinsurance/reliability) | Broker | 5.0/10 — Assessed provider: TechInsurance; scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state. | — | 5.0/10 — Assessed provider: TechInsurance; scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state. |
| [Vouch](https://thegeneralaverage.com/insurance-providers/vouch/reliability) | Broker | 5.0/10 — Assessed provider: Vouch; scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer. | — | 5.0/10 — Assessed provider: Vouch; scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer. |
| [WithCoverage](https://thegeneralaverage.com/insurance-providers/withcoverage/reliability) | Broker | 5.0/10 — 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. | — | 5.0/10 — 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. |
| [StartupInsurance.ai](https://thegeneralaverage.com/insurance-providers/startupinsurance/reliability) | Broker | 4.9/10 — Assessed provider: StartupInsurance.ai; scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence. | — | 4.9/10 — Assessed provider: StartupInsurance.ai; scope: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence. |
| [AIG](https://thegeneralaverage.com/insurance-providers/aig/reliability) | Insurance carrier | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [biBerk](https://thegeneralaverage.com/insurance-providers/biberk/reliability) | Insurance carrier | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [CFC](https://thegeneralaverage.com/insurance-providers/cfc/reliability) | Managing general agent | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [CNA](https://thegeneralaverage.com/insurance-providers/cna/reliability) | Insurance carrier | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [Corgi](https://thegeneralaverage.com/insurance-providers/corgi/reliability) | Hybrid role | No current score | Assessment subject unavailable — Assessment subject unavailable | Assessment subject unavailable — Assessment subject unavailable |
| [Counterpart](https://thegeneralaverage.com/insurance-providers/counterpart/reliability) | Broker | No current score | — | Assessment subject unavailable — Assessment subject unavailable |
| [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) | Managing general agent | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [Insureon](https://thegeneralaverage.com/insurance-providers/insureon/reliability) | Broker | No current score | — | Assessment subject unavailable — Assessment subject unavailable |
| [Liberty Mutual](https://thegeneralaverage.com/insurance-providers/liberty-mutual/reliability) | Insurance carrier | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) | Broker | No current score | — | Assessment subject unavailable — Assessment subject unavailable |
| [Nationwide](https://thegeneralaverage.com/insurance-providers/nationwide/reliability) | Insurance carrier | No current score | Assessment subject unavailable — Assessment subject unavailable | — |
| [Relm Insurance](https://thegeneralaverage.com/insurance-providers/relm/reliability) | Hybrid role | No current score | Assessment subject unavailable — Assessment subject unavailable | Assessment subject unavailable — Assessment subject unavailable |
| [Simply Business](https://thegeneralaverage.com/insurance-providers/simply-business/reliability) | Broker | No current score | — | Assessment subject unavailable — Assessment subject unavailable |
| [The Baldwin Group](https://thegeneralaverage.com/insurance-providers/baldwin/reliability) | Broker | No current score | — | Not Rated — Assessed provider: The Baldwin Group; scope: The Baldwin Insurance Group and its consolidated subsidiaries as described in its 2025 Form 10-K. This group-level record does not identify the licensed producer or insurer for a particular policy or placement. |
| [THREE by Berkshire Hathaway](https://thegeneralaverage.com/insurance-providers/three/reliability) | Insurance carrier | No current score | Not Rated — Assessed entity: Berkshire Hathaway Direct Insurance Company; scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC. | — |
| [Zurich U.S.](https://thegeneralaverage.com/insurance-providers/zurich/reliability) | Insurance carrier | No current score | Not Rated — Assessed entity: Zurich American Insurance Company; scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Reliability Score or rating is assigned. | — |

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-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)