{
  "version": 1,
  "updated_at": "2026-11-01",
  "profiles": [
    {
      "id": "cfc",
      "name": "CFC",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/cfc",
      "focus": [
        "Cyber",
        "Professional liability",
        "Product recall"
      ],
      "summary": "CFC publishes products for cyber, professional liability, intellectual property and product recall exposures.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CFC official product information",
          "url": "https://www.cfc.com/en-us/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CFC regulatory information",
          "url": "https://www.cfc.com/en-us/support/regulatory-information/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "cyber-products",
          "title": "CFC cyber product variants and published features",
          "url": "https://www.cfc.com/en-us/products/class/cyber-insurance/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "CFC Underwriting Limited",
            "role": "Underwriting business",
            "source": "legal",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "03302887"
              },
              {
                "type": "FCA reference",
                "value": "312848"
              }
            ],
            "domicile": "England and Wales"
          },
          {
            "name": "CFC USA Inc.",
            "role": "US licensed producer",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "CFC General Insurance Agency, Inc.",
            "role": "California licensed name for CFC USA",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "CFC identifies Lloyd’s Syndicate 1988 as managed by Asta Managing Agency Ltd. The underwriting business, US producer and participating insurer or syndicate perform different roles; record the actual insurer shown on the proposal.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "cowbell",
      "name": "Cowbell",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/cowbell",
      "focus": [
        "Cyber",
        "Professional liability"
      ],
      "summary": "Cowbell publishes cyber insurance and technology professional indemnity products.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Cowbell official product information",
          "url": "https://cowbell.insure/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Cowbell agency license information",
          "url": "https://cowbell.insure/state-licenses/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "prime-100",
          "title": "Cowbell Prime 100 product information",
          "url": "https://cowbell.insure/prime-100/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "prime-one",
          "title": "Cowbell Prime One product information",
          "url": "https://cowbell.insure/prime-one/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "prime-tech",
          "title": "Cowbell Prime Tech product information",
          "url": "https://cowbell.insure/prime-tech/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Cowbell Insurance Agency LLC",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0N04366"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "The agency publishes separate producer and surplus-lines license schedules. Those schedules concern distribution authority; they do not identify which insurer will issue a particular quote.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "coalition",
      "name": "Coalition",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/coalition",
      "focus": [
        "Cyber"
      ],
      "summary": "Coalition combines cyber insurance with security tools and incident response services.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Coalition official product information",
          "url": "https://www.coalitioninc.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Coalition licenses and issuing carriers",
          "url": "https://www.coalitioninc.com/legal/licenses",
          "checked_at": "2026-11-01"
        },
        {
          "id": "cyber-product",
          "title": "Coalition Active Cyber and AI product features",
          "url": "https://www.coalitioninc.com/cyber-insurance",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Coalition Insurance Solutions, Inc.",
            "role": "Licensed producer and surplus lines broker",
            "source": "legal",
            "identifiers": [
              {
                "type": "NPN",
                "value": "18419475"
              },
              {
                "type": "California license",
                "value": "0L76155"
              }
            ]
          },
          {
            "name": "Coalition Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "29530"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Coalition also lists unaffiliated issuing insurers. Its own disclosure places policy obligations with the issuing carrier, so the Coalition brand alone does not identify the entity responsible for a particular policy.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "at-bay",
      "name": "At-Bay",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/at-bay",
      "focus": [
        "Cyber"
      ],
      "summary": "At-Bay presents insurance and managed detection and response as connected offerings.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "At-Bay official product information",
          "url": "https://www.at-bay.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "At-Bay producer and surplus lines licenses",
          "url": "https://www.at-bay.com/licenses/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "At-Bay Insurance Services LLC",
            "role": "Licensed insurance producer",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0L73812"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "At-Bay’s public website describes coverage underwritten by nonadmitted insurers. Match the issuing company, form and claims instructions to the actual proposal rather than treating the agency name as the insurer.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "pie",
      "name": "Pie Insurance",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/pie",
      "focus": [
        "Workers compensation"
      ],
      "summary": "Pie focuses its public insurance offering on workers compensation for small businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Pie Insurance official product information",
          "url": "https://www.pieinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Pie Insurance producer licenses",
          "url": "https://www.pieinsurance.com/legal",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Pie Insurance Services, Inc.",
            "role": "Licensed insurance producer",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0M72907"
              }
            ]
          },
          {
            "name": "The Pie Insurance Company",
            "role": "Workers compensation insurer",
            "source": "official",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "21857"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Pie’s website identifies its own insurer and affiliates for workers compensation and unaffiliated insurers for other listed lines. The group brand is not a substitute for checking the underwriting company on each policy.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "employers",
      "name": "EMPLOYERS",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/employers",
      "focus": [
        "Workers compensation"
      ],
      "summary": "EMPLOYERS identifies small-business workers compensation as its core insurance focus.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "EMPLOYERS official product information",
          "url": "https://www.employers.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "EMPLOYERS company information",
          "url": "https://www.employers.com/terms-of-use",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Employers Insurance Company of Nevada",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10640"
              }
            ],
            "domicile": "Nevada"
          },
          {
            "name": "Employers Compensation Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "11512"
              }
            ],
            "domicile": "California"
          },
          {
            "name": "Employers Preferred Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10346"
              }
            ],
            "domicile": "Florida"
          },
          {
            "name": "Employers Assurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "25402"
              }
            ],
            "domicile": "Florida"
          }
        ],
        "notes": [
          {
            "text": "EMPLOYERS is a group brand covering multiple insurers. Keep the exact issuing company with the workers compensation quotation, policy and claims instructions.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "biberk",
      "name": "biBerk",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/biberk",
      "focus": [
        "Business owners policy",
        "General liability",
        "Professional liability",
        "Workers compensation",
        "Commercial auto",
        "Excess liability"
      ],
      "summary": "biBerk lists workers compensation, business owners policies, general liability and professional liability among its business products.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "biBerk official product information",
          "url": "https://www.biberk.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "biBerk issuing insurer disclosures",
          "url": "https://www.biberk.com/disclosures",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Wellfleet Insurance Company",
            "role": "One of the disclosed issuing insurers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "32280"
              }
            ],
            "domicile": "Indiana"
          },
          {
            "name": "Berkshire Hathaway Direct Insurance Company",
            "role": "One of the disclosed issuing insurers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10391"
              }
            ],
            "domicile": "Nebraska"
          },
          {
            "name": "National Liability & Fire Insurance Company",
            "role": "One of the disclosed issuing insurers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "20052"
              }
            ],
            "domicile": "Connecticut"
          },
          {
            "name": "Wellfleet New York Insurance Company",
            "role": "One of the disclosed issuing insurers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "20931"
              }
            ],
            "domicile": "New York"
          }
        ],
        "notes": [
          {
            "text": "biBerk identifies these as insurers issuing most of the policies it sells and expressly says the listing does not guarantee coverage or authorization of every product in every jurisdiction.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "hiscox",
      "name": "Hiscox",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/hiscox",
      "focus": [
        "General liability",
        "Professional liability"
      ],
      "summary": "Hiscox publishes small-business insurance options including general liability and professional liability.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Hiscox official product information",
          "url": "https://www.hiscox.com/small-business-insurance",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Hiscox US company information",
          "url": "https://www.hiscox.com/about-hiscox-insurance",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Hiscox Insurance Company Inc.",
            "role": "US insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10200"
              }
            ],
            "domicile": "Illinois"
          },
          {
            "name": "Hiscox Inc.",
            "role": "General agent",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Hiscox distinguishes its insurer from its general agent. Retain the actual insurer and form for each coverage, especially where a transaction also includes a partner product.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "coterie",
      "name": "Coterie Insurance",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/coterie",
      "focus": [
        "Business owners policy",
        "General liability",
        "Professional liability"
      ],
      "summary": "Coterie publishes business owners policies, general liability and professional liability for small businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Coterie Insurance official product information",
          "url": "https://coterieinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "ivans",
          "title": "Coterie insurer identities in its Ivans download instructions",
          "url": "https://coterieinsurance.com/ivans-commercial-lines-downloads-for-coterie-insurance-agents/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "pwic-sale",
          "title": "Everspan announcement concerning Providence Washington, October 23, 2026",
          "url": "https://www.everspangroup.com/news-details/2026/Everspan-Announces-Sale-of-Admitted-Shell-Company-to-Falvey-Insurance-Group/default.aspx",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Coterie claimant legal notice",
          "url": "https://coterieinsurance.com/legal/claimants/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Coterie Insurance Agency, LLC",
            "role": "Insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "NPN",
                "value": "19000811"
              },
              {
                "type": "Wisconsin license",
                "value": "3000452677"
              }
            ]
          },
          {
            "name": "Spinnaker Insurance Company",
            "role": "Insurer identified in Coterie download instructions",
            "source": "ivans",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "24376"
              }
            ]
          },
          {
            "name": "Benchmark Insurance Company",
            "role": "Insurer identified in Coterie download instructions",
            "source": "ivans",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "41394"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Coterie’s download instructions also identify Clear Spring Property and Casualty, Everspan and Providence Washington. That operational list does not establish the current insurer for a specific new-business product or state.",
            "source": "ivans"
          },
          {
            "text": "The announced Providence Washington sale is subject to closing conditions and approvals; do not assume either a completed transfer or an unchanged underwriting arrangement.",
            "source": "pwic-sale"
          }
        ]
      }
    },
    {
      "id": "kinsale",
      "name": "Kinsale Insurance",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/kinsale",
      "focus": [
        "Property",
        "General liability",
        "Professional liability",
        "Excess liability"
      ],
      "summary": "Kinsale is an excess and surplus lines insurer focused on difficult commercial property, casualty and specialty risks.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Kinsale Insurance official product information",
          "url": "https://www.kinsaleins.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Kinsale insurer disclosure",
          "url": "https://www.kinsaleins.com/kitt/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Kinsale Insurance Company",
            "role": "Excess and surplus lines insurer",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "38920"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Kinsale’s disclosure says its products are available through licensed surplus-lines agents and brokers and do not carry state guaranty-fund protection. Its surplus-lines status should not be confused with an admitted carrier license.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "richmond-national",
      "name": "Richmond National",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/richmond-national",
      "focus": [
        "Property",
        "General liability",
        "Professional liability"
      ],
      "summary": "Richmond National writes excess and surplus lines insurance for small and midsize businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Richmond National official product information",
          "url": "https://www.richmondnational.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Richmond National professional risk assistance disclosure",
          "url": "https://www.richmondnational.com/wp-content/uploads/2023/03/Professional-Risk-Assistance-Hotline.pdf",
          "checked_at": "2026-11-01"
        },
        {
          "id": "product-guide",
          "title": "Richmond National professional liability guide",
          "url": "https://www.richmondnational.com/wp-content/uploads/2025/09/RN-Professional-Liability-Marketing.pdf",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Richmond National Insurance Company",
            "role": "Domestic surplus lines insurer",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "17103"
              }
            ],
            "domicile": "New Hampshire"
          }
        ],
        "notes": [
          {
            "text": "The company’s product disclosure distinguishes Richmond National Group, Inc., Richmond National Services, Inc. and the underwriting insurer. The brochure says product availability varies by jurisdiction.",
            "source": "product-guide"
          }
        ]
      }
    },
    {
      "id": "falvey",
      "name": "Falvey Insurance Group",
      "kind": "MGA group",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/falvey",
      "focus": [
        "Marine",
        "Cargo",
        "Inland marine",
        "Transportation"
      ],
      "summary": "Falvey organizes specialist underwriting businesses around marine and logistics exposures.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Falvey Insurance Group official product information",
          "url": "https://www.falveyinsurancegroup.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Falvey Insurance Group",
            "role": "Group brand for specialist underwriting businesses",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Falvey describes a group of managing general agencies working with multiple carrier partners. The public group overview is not a single issuing-company disclosure; record both the particular Falvey program/MGA and the insurer named on the quote.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "rainbow",
      "name": "Rainbow",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/rainbow",
      "focus": [
        "Business owners policy",
        "Real estate",
        "Restaurants"
      ],
      "summary": "Rainbow distributes its insurance products through independent agents.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Rainbow official product information",
          "url": "https://www.userainbow.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Rainbow agency licenses",
          "url": "https://www.userainbow.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Rainbow MGA Insurance Agency, Inc.",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "6008454"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Rainbow states that it offers policies from admitted and nonadmitted carriers and acts as a general agent in certain jurisdictions. Rainbow’s agency license is not the identity or financial rating of the insurer on a restaurant policy.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "foxquilt",
      "name": "Foxquilt",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/foxquilt",
      "focus": [
        "General liability",
        "Professional liability"
      ],
      "summary": "Foxquilt publishes commercial general liability and professional errors and omissions offerings.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Foxquilt official product information",
          "url": "https://www.foxquilt.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Foxquilt terms and operating entity",
          "url": "https://www.foxquilt.com/terms-of-use.html",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Foxquilt Insurance Services Inc.",
            "role": "Operator named in the website terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "This legal identification concerns the company operating the service. The insurance proposal still needs to identify the underwriting carrier and the distribution entity for the relevant jurisdiction.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "thimble",
      "name": "Thimble",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/thimble",
      "focus": [
        "General liability",
        "Professional liability",
        "Business owners policy",
        "Inland marine"
      ],
      "summary": "Thimble lists general liability and professional liability in its small-business insurance offering.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Thimble official product information",
          "url": "https://www.thimble.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Thimble legal producer disclosure",
          "url": "https://www.thimble.com/docs",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Verifly Insurance Services, LLC dba Thimble Insurance Services",
            "role": "Licensed insurance producer",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0K91562"
              }
            ],
            "domicile": "New York"
          }
        ],
        "notes": [
          {
            "text": "The producer disclosure identifies the company behind the Thimble trade name. That producer is distinct from the carrier that underwrites the policy; use the quote and policy to identify the latter.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "ergo-next",
      "name": "ERGO NEXT",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/ergo-next",
      "focus": [
        "Small business"
      ],
      "summary": "ERGO NEXT markets insurance for small businesses across industries including construction, food and cleaning.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "ERGO NEXT official product information",
          "url": "https://www.nextinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "ERGO NEXT agency licenses",
          "url": "https://www.nextinsurance.com/insurance-licenses/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Next Insurance, Inc.",
            "role": "Licensed agency entity listed by ERGO NEXT",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Next First Insurance Agency, Inc.",
            "role": "Licensed agency entity listed by ERGO NEXT",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "AP Intego Insurance Group, LLC",
            "role": "Licensed agency entity listed by ERGO NEXT",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The license schedule lists multiple entities and state-specific names. It is an agency-license schedule, not proof that the same company underwrites every NEXT-branded coverage.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "coverwhale",
      "name": "Cover Whale",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/coverwhale",
      "focus": [
        "Commercial auto",
        "Transportation"
      ],
      "summary": "Cover Whale focuses on commercial trucking insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Cover Whale official product information",
          "url": "https://www.coverwhale.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Cover Whale producer entity disclosure",
          "url": "https://app.coverwhale.com/smartchoice",
          "checked_at": "2026-11-01"
        },
        {
          "id": "licenses",
          "title": "Cover Whale state license schedule",
          "url": "https://coverwhale.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Cover Whale Insurance Solutions LLC",
            "role": "Licensed insurance producer",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0M87896"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "The published license schedule marks New York as pending and Hawaii as coming soon. A general statement about serving the United States must not be read as current availability in every state.",
            "source": "licenses"
          }
        ]
      }
    },
    {
      "id": "blitz",
      "name": "Blitz Insurance",
      "kind": "MGU",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/blitz",
      "focus": [
        "Property",
        "General liability",
        "Construction",
        "Cannabis",
        "Special events"
      ],
      "summary": "Blitz describes itself as a full-stack managing general underwriter serving excess and surplus lines business.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Blitz Insurance official product information",
          "url": "https://www.blitzinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Blitz terms and named entities",
          "url": "https://www.blitzinsurance.com/terms-conditions",
          "checked_at": "2026-11-01",
          "document_date": "2025-05-12"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Blitz Servicing LLC",
            "role": "Entity named in the website terms",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Blitz Insurance Corp.",
            "role": "Affiliate named in the website terms",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Blitz Insurance Arizona Inc.",
            "role": "Affiliate named in the website terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The terms use “Blitz” collectively for several entities. That collective definition does not establish that any one of those entities is the risk-bearing insurer for every program.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "mgt",
      "name": "MGT Insurance",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/mgt",
      "focus": [
        "Business owners policy",
        "Small business"
      ],
      "summary": "MGT identifies itself as a commercial insurance carrier focused on small businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "MGT Insurance official product information",
          "url": "https://www.mgtinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "MGT regulatory notice",
          "url": "https://www.mgtinsurance.com/legal",
          "checked_at": "2026-11-01"
        },
        {
          "id": "regulator",
          "title": "California Department of Insurance: MGT Insurance Company",
          "url": "https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&event=companyProfile&naic=16203",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "MGT Insurance Company",
            "role": "Insurance company",
            "source": "regulator",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "16203"
              }
            ],
            "domicile": "Wisconsin"
          }
        ],
        "notes": [
          {
            "text": "MGT’s legal notice lists Wisconsin as the insurer’s domicile and Denver as its principal place of business. Domicile and office location are different facts; neither makes every business class eligible.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "steadily",
      "name": "Steadily",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/steadily",
      "focus": [
        "Real estate",
        "Property"
      ],
      "summary": "Steadily focuses its public insurance offering on landlords and rental properties.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Steadily official product information",
          "url": "https://www.steadily.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Steadily company and producer licenses",
          "url": "https://www.steadily.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Steadily Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "16963"
              }
            ],
            "domicile": "Arizona"
          },
          {
            "name": "Steadily Insurance Agency, Inc.",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "NPN",
                "value": "19627533"
              },
              {
                "type": "California license",
                "value": "6002990"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Steadily identifies both companies as subsidiaries of Steadily, Inc. The distinction matters: the agency arranges coverage, while the issuing insurer named in the contract carries the policy obligations.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "obie",
      "name": "Obie",
      "kind": "Specialist market",
      "group": "Carriers and specialist markets",
      "path": "/markets/obie",
      "focus": [
        "Real estate",
        "Property"
      ],
      "summary": "Obie focuses on insurance for landlords and real estate investors.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Obie official product information",
          "url": "https://www.obieinsurance.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Obie Insurance Services, LLC",
            "role": "Licensed agency listed on the website",
            "source": "official",
            "identifiers": [
              {
                "type": "California license",
                "value": "6002583"
              }
            ]
          },
          {
            "name": "Obie Insurance Group, LLC",
            "role": "Licensed agency listed on the website",
            "source": "official",
            "identifiers": [
              {
                "type": "California license",
                "value": "6006652"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Obie publishes separate state license schedules for these agency entities. Neither schedule identifies the issuing insurer for every rental property quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "normandy-workers-comp",
      "name": "Normandy Insurance Company",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/normandy-workers-comp",
      "focus": [
        "Workers compensation"
      ],
      "summary": "Normandy’s website identifies workers compensation as an insurance company offering.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Normandy Insurance Company official product information",
          "url": "https://www.normandyins.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "regulator",
          "title": "New York DFS: Normandy Insurance Company",
          "url": "https://myportal.dfs.ny.gov/companydirectory/dir_det.jsp?c=c&filekey=dir&frst=dir_srch_optiono&naic=13012&search_type=CPAT_NUM&search_value=9911",
          "checked_at": "2026-11-01"
        },
        {
          "id": "company",
          "title": "Normandy carrier and brokerage description",
          "url": "https://www.normandyins.com/about-us",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Normandy Insurance Company",
            "role": "Workers compensation insurer",
            "source": "regulator",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "13012"
              }
            ],
            "domicile": "Florida"
          }
        ],
        "notes": [
          {
            "text": "Normandy’s own site separates its insurance company’s workers compensation from business placed with partner carriers. This profile concerns the in-house workers compensation insurer, not every product offered by the brokerage.",
            "source": "company"
          }
        ]
      }
    },
    {
      "id": "lio-specialty",
      "name": "LIO Specialty",
      "kind": "Carrier division",
      "group": "Carriers and specialist markets",
      "path": "/markets/lio-specialty",
      "focus": [
        "General liability",
        "Products liability",
        "Construction",
        "Life sciences",
        "Excess liability"
      ],
      "summary": "LIO Specialty describes an excess and surplus lines offering for wholesale brokers.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "LIO Specialty official product information",
          "url": "https://lioinsurance.com/wholesale/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "LIO website terms and operating company",
          "url": "https://lioinsurance.com/terms-of-use/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "LIO Insurance Company",
            "role": "Company identified in the website terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The wholesale page uses the LIO Specialty name for its E&S offering. The website terms do not assign a separate insurer identifier to every specialty product; obtain the precise issuing company from the quotation before treating it as the admitted LIO entity.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "lio-insurance",
      "name": "LIO Insurance",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/lio-insurance",
      "focus": [
        "Professional liability",
        "Management liability",
        "Nonprofits",
        "Special events",
        "Real estate"
      ],
      "summary": "LIO publishes products for community associations, amateur sports, and nonprofit and social service organizations.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "LIO Insurance official product information",
          "url": "https://lioinsurance.com/products/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "regulator",
          "title": "California Department of Insurance: LIO Insurance Company",
          "url": "https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6073&event=companyProfile",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "LIO Insurance Company",
            "role": "Insurance company",
            "source": "regulator",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "40550"
              }
            ],
            "domicile": "Arizona"
          }
        ],
        "notes": [
          {
            "text": "The regulator record lists former names Enterprise Insurance Company and Pacific Pioneer Insurance Company. This is the legal insurer identity; it does not establish that every product marketed under the LIO name uses the same issuing entity.",
            "source": "regulator"
          }
        ]
      }
    },
    {
      "id": "markel",
      "name": "Markel",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/markel",
      "focus": [
        "General liability",
        "Professional liability",
        "Management liability",
        "Property",
        "Marine",
        "Surety"
      ],
      "summary": "Markel’s US product information spans casualty, professional and management liability, property and marine insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Markel official product information",
          "url": "https://www.markel.com/us",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Markel legal notices",
          "url": "https://www.markel.com/legal-notices-and-terms-of-use",
          "checked_at": "2026-11-01",
          "document_date": "2023-05-15"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Markel Group Inc.",
            "role": "Group and website owner",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Markel West Insurance Services",
            "role": "California distribution entity",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0D95581"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Markel states that member insurers have different licenses and permissions and that some products are supplied through nonadmitted subsidiaries. Identify the actual insurer and admitted or surplus-lines basis for the selected division and policy.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "chubb",
      "name": "Chubb",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/chubb",
      "focus": [
        "General liability",
        "Cyber",
        "Property"
      ],
      "summary": "Chubb publishes business insurance for small businesses, midsize companies and large organizations.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Chubb official product information",
          "url": "https://www.chubb.com/us-en/business-insurance.html",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Chubb website ownership and group disclosure",
          "url": "https://www.chubb.com/us-en/terms-of-use.html",
          "checked_at": "2026-11-01"
        },
        {
          "id": "licenses",
          "title": "Chubb company licensing information",
          "url": "https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/global/documents/pdf/licensinginformation.pdf",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Chubb Group Holdings Inc.",
            "role": "Website owner named in the terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The terms describe Chubb as a group of insurance, reinsurance and service companies. The licensing disclosure is the appropriate place to resolve an individual insurer; the Chubb brand does not identify one universal underwriting company.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "travelers",
      "name": "Travelers",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/travelers",
      "focus": [
        "Commercial auto",
        "Cyber",
        "General liability",
        "Professional liability",
        "Management liability",
        "Property"
      ],
      "summary": "Travelers publishes commercial auto and trucking insurance among its business products.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Travelers official product information",
          "url": "https://www.travelers.com/business-insurance",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Travelers insurance subsidiaries",
          "url": "https://www.travelers.com/about-travelers/subsidiaries",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "The Travelers Companies, Inc.",
            "role": "Parent company",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "The Travelers Indemnity Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "25658"
              }
            ],
            "domicile": "Connecticut"
          },
          {
            "name": "The Travelers Indemnity Company of Connecticut",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "25682"
              }
            ],
            "domicile": "Connecticut"
          }
        ],
        "notes": [
          {
            "text": "These are examples from Travelers’ subsidiary list, not a complete list or a product assignment. The source lists different authorized jurisdictions by company; match the actual issuing entity to each proposed line.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "the-hartford",
      "name": "The Hartford",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/the-hartford",
      "focus": [
        "Business owners policy",
        "General liability",
        "Property",
        "Workers compensation"
      ],
      "summary": "The Hartford publishes business owners policy insurance for small businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "The Hartford official product information",
          "url": "https://www.thehartford.com/business-insurance",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "The Hartford legal and insurer information",
          "url": "https://www.thehartford.com/legal-notice",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "The Hartford Insurance Group, Inc.",
            "role": "Financial holding company",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Hartford Fire Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "19682"
              }
            ],
            "domicile": "Connecticut"
          },
          {
            "name": "Twin City Fire Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "29459"
              }
            ],
            "domicile": "Indiana"
          }
        ],
        "notes": [
          {
            "text": "The Hartford expressly says that a company’s inclusion in its legal notice does not guarantee coverage or approval of every product in every jurisdiction. The companies shown here are examples; the proposal identifies the applicable insurer.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "nationwide",
      "name": "Nationwide",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/nationwide",
      "focus": [
        "Business owners policy",
        "Property",
        "Commercial auto",
        "Cyber",
        "Professional liability",
        "Agriculture"
      ],
      "summary": "Nationwide publishes business owners policies, commercial property and commercial auto insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Nationwide official product information",
          "url": "https://www.nationwide.com/business/insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Nationwide terms and underwriting-company disclosures",
          "url": "https://www.nationwide.com/personal/about-us/terms-conditions",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Nationwide Mutual Insurance Company",
            "role": "Insurance company and group entity",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "AMCO Insurance Company",
            "role": "Affiliated underwriting company identified in the disclosure",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Nationwide Insurance Company of America",
            "role": "Affiliated underwriting company identified in the disclosure",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Nationwide says each underwriting company is financially responsible for its own products. The examples here are not the complete group or a product assignment; identify the company shown on the actual proposal.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "great-american",
      "name": "Great American Insurance Group",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/great-american",
      "focus": [
        "Agriculture",
        "Construction",
        "Transportation",
        "Nonprofits",
        "Specialty"
      ],
      "summary": "Great American organizes its insurance offering around specialist businesses and industries.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Great American Insurance Group official product information",
          "url": "https://www.greatamericaninsurancegroup.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Great American company licensing disclosures",
          "url": "https://www.greatamericaninsurancegroup.com/contact/legal-disclosures",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Great American Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "16691"
              }
            ],
            "domicile": "Ohio"
          },
          {
            "name": "Great American E & S Insurance Company",
            "role": "Surplus lines insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "37532"
              }
            ],
            "domicile": "Ohio"
          }
        ],
        "notes": [
          {
            "text": "Great American’s disclosure lists multiple insurers with different authorizations, including both admitted and surplus-lines entities. These examples should not be treated as the insurer for every division or program.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "core-specialty",
      "name": "Core Specialty",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/core-specialty",
      "focus": [
        "General liability",
        "Professional liability",
        "Management liability",
        "Excess liability",
        "Commercial auto",
        "Marine",
        "Agriculture"
      ],
      "summary": "Core Specialty operates specialist underwriting divisions through subsidiary insurers.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Core Specialty official product information",
          "url": "https://corespecialty.com/divisions/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Core Specialty legal notice",
          "url": "https://corespecialty.com/index.php/legal-notice/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Core Specialty Insurance Holdings, Inc.",
            "role": "Holding company",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "StarStone Specialty Insurance Company",
            "role": "E&S insurer listed in the division overview",
            "source": "official",
            "identifiers": []
          },
          {
            "name": "StarStone National Insurance Company",
            "role": "Admitted insurer listed in the division overview",
            "source": "official",
            "identifiers": []
          },
          {
            "name": "Lancer Insurance Company",
            "role": "Admitted insurer listed in the division overview",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Core Specialty lists multiple operating insurance platforms. The division, legal insurer and admitted or surplus-lines status should be identified for the requested product rather than inferred from the holding company name.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "rsui",
      "name": "RSUI",
      "kind": "Underwriting organization",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/rsui",
      "focus": [
        "Management liability",
        "Professional liability",
        "Specialty"
      ],
      "summary": "RSUI describes a wholesale underwriting business with authority to underwrite insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "RSUI official product information",
          "url": "https://www.rsui.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "RSUI insurance companies and corporate information",
          "url": "https://www.rsui.com/about/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "RSUI Indemnity Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "22314"
              }
            ],
            "domicile": "New Hampshire"
          },
          {
            "name": "Landmark American Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "33138"
              }
            ],
            "domicile": "New Hampshire"
          },
          {
            "name": "Covington Specialty Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "13027"
              }
            ],
            "domicile": "New Hampshire"
          }
        ],
        "notes": [
          {
            "text": "RSUI names three insurance companies under its operating brand. Match the actual company on the binder to the policy and claims information, rather than using the group name for every placement.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "nautilus",
      "name": "Nautilus Insurance Group",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/nautilus",
      "focus": [
        "General liability",
        "Property"
      ],
      "summary": "Nautilus focuses on commercial excess and surplus lines business.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Nautilus Insurance Group official product information",
          "url": "https://www.nautilusinsgroup.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Nautilus and Great Divide insurer identities",
          "url": "https://nautilusinsgroup.com/about-us",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Nautilus Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "17370"
              }
            ],
            "domicile": "Arizona"
          },
          {
            "name": "Great Divide Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "25224"
              }
            ],
            "domicile": "North Dakota"
          }
        ],
        "notes": [
          {
            "text": "Nautilus states that its namesake insurer is admitted in Arizona and eligible for surplus lines elsewhere, while Great Divide has the opposite admitted/surplus-lines treatment in Arizona. The entity matters even within the same insurance group.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "westchester",
      "name": "Westchester",
      "kind": "Carrier division",
      "group": "Carriers and specialist markets",
      "path": "/markets/westchester",
      "focus": [
        "General liability",
        "Property",
        "Professional liability",
        "Environmental",
        "Product recall",
        "Inland marine"
      ],
      "summary": "Westchester is Chubb’s excess and surplus lines specialty business.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Westchester official product information",
          "url": "https://www.westchester.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Westchester underwriting-company disclosure",
          "url": "https://www.westchester.com/en/home.html",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Westchester Fire Insurance Company",
            "role": "Insurer identified in the website disclosure",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Chubb Limited",
            "role": "Parent company identified by Westchester",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Westchester is a Chubb division. Its disclosure identifies Westchester Fire Insurance Company and other US Chubb underwriting affiliates; it does not make Westchester itself a separate legal insurer for every product.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "usli",
      "name": "USLI",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/usli",
      "focus": [
        "Small business",
        "Professional liability",
        "Nonprofits"
      ],
      "summary": "USLI focuses on specialty insurance for smaller-premium accounts.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "USLI official product information",
          "url": "https://www.usli.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "identity",
          "title": "USLI policy download guide: insurer identities",
          "url": "https://customers.usli.com/sites/docs/PolicyDownload_FAQ.pdf",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "United States Liability Insurance Company",
            "role": "Insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "25895"
              }
            ]
          },
          {
            "name": "Mount Vernon Fire Insurance Company",
            "role": "Insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "26522"
              }
            ]
          },
          {
            "name": "U.S. Underwriters Insurance Company",
            "role": "Insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "35416"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "USLI’s guide lists additional issuing-company codes. The examples here identify distinct companies, not a universal insurer or a promise that a particular product is currently available.",
            "source": "identity"
          }
        ]
      }
    },
    {
      "id": "admiral",
      "name": "Admiral Insurance Group",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/admiral",
      "focus": [
        "General liability",
        "Professional liability",
        "Products liability"
      ],
      "summary": "Admiral focuses on excess and surplus lines insurance distributed through wholesale brokers.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Admiral Insurance Group official product information",
          "url": "https://www.admiralins.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Berkley statutory insurance companies",
          "url": "https://wrbc.info/Licensing.htm",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Admiral Insurance Company",
            "role": "Surplus lines insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "24856"
              }
            ],
            "domicile": "Delaware"
          },
          {
            "name": "Admiral Indemnity Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "44318"
              }
            ],
            "domicile": "Delaware"
          },
          {
            "name": "Berkley Managers Insurance Services, LLC",
            "role": "California surplus lines distribution entity",
            "source": "official",
            "identifiers": [
              {
                "type": "California license",
                "value": "0H05115"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Admiral’s public disclosure distinguishes insurance-company subsidiaries from the California distribution entity. The names and their roles should be preserved separately on the placement record.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "atlantic-casualty",
      "name": "Atlantic Casualty",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/atlantic-casualty",
      "focus": [
        "General liability",
        "Property",
        "Inland marine",
        "Marine",
        "Automotive"
      ],
      "summary": "Atlantic Casualty publishes commercial general liability, property and garage insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Atlantic Casualty official product information",
          "url": "https://www.atlanticcasualty.net/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Atlantic Casualty company and distribution information",
          "url": "https://atlanticcasualty.net/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Atlantic Casualty Insurance Company",
            "role": "Insurance company",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Atlantic Casualty describes distribution through wholesale agents with binding and brokerage agreements. That distribution model does not turn an unrelated wholesaler into the carrier or establish that every desk has the same authority.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "skyward",
      "name": "Skyward Specialty",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/skyward",
      "focus": [
        "General liability",
        "Professional liability",
        "Surety",
        "Specialty"
      ],
      "summary": "Skyward Specialty organizes its offering into businesses including transactional excess and surplus lines, industry solutions and professional lines.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Skyward Specialty official product information",
          "url": "https://www.skywardinsurance.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Skyward Specialty 2026 Form 10-Q: company and subsidiaries",
          "url": "https://investors.skywardinsurance.com/static-files/1c16441e-4e9d-42d6-b53e-da82d6ca446e",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Skyward Specialty Insurance Group, Inc.",
            "role": "Insurance holding company",
            "source": "legal",
            "identifiers": [],
            "domicile": "Delaware"
          },
          {
            "name": "Great Midwest Insurance Company",
            "role": "Admitted insurance subsidiary",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Houston Specialty Insurance Company",
            "role": "Nonadmitted insurance subsidiary",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Imperium Insurance Company",
            "role": "Admitted insurance subsidiary",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Oklahoma Specialty Insurance Company",
            "role": "Nonadmitted insurance subsidiary",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The filing differentiates admitted and nonadmitted subsidiaries. A Skyward-branded quote still needs the issuing company, applicable division and product-specific terms.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "upland",
      "name": "Upland Capital Group",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/upland",
      "focus": [
        "General liability",
        "Excess liability",
        "Transportation",
        "Product recall",
        "Public entity"
      ],
      "summary": "Upland publishes primary liability and supported excess for construction-related risks.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Upland Capital Group official product information",
          "url": "https://www.uplandcapgroup.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "regulator",
          "title": "California surplus lines insurer list, September 15, 2026",
          "url": "https://www.insurance.ca.gov/01-consumers/120-company/07-lasli/lasli.cfm",
          "checked_at": "2026-11-01",
          "document_date": "2026-09-15"
        },
        {
          "id": "identity",
          "title": "Surplus Lines Stamping Office of Texas: Upland insurer summary",
          "url": "https://www.sltx.org/Insurers/Summaries/16988_Upland%20Specialty%20Insurance%20Company.pdf",
          "checked_at": "2026-11-01",
          "document_date": "2025-12-10"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Upland Specialty Insurance Company",
            "role": "Surplus lines insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "16988"
              }
            ],
            "domicile": "Texas"
          }
        ],
        "notes": [
          {
            "text": "California’s published list identifies this company as an approved surplus-lines insurer. A listing confirms the entity’s status in that context, not eligibility for a particular Upland product or account.",
            "source": "regulator"
          }
        ]
      }
    },
    {
      "id": "dual",
      "name": "DUAL North America",
      "kind": "MGA group",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/dual",
      "focus": [
        "General liability",
        "Property",
        "Management liability",
        "Professional liability",
        "Surety"
      ],
      "summary": "DUAL North America describes itself as an underwriting organization.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "DUAL North America official product information",
          "url": "https://www.dualcommercial.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "DUAL North America, Inc.",
            "role": "US underwriting business",
            "source": "official",
            "identifiers": []
          },
          {
            "name": "Howden Group Holdings Limited",
            "role": "Parent group identified by DUAL",
            "source": "official",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "02937398"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "DUAL’s public site identifies its relationship to Howden. That ownership relationship is separate from the issuing insurer and delegated underwriting authority for a selected DUAL product.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "distinguished",
      "name": "Distinguished Programs",
      "kind": "Program administrator",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/distinguished",
      "focus": [
        "Excess liability",
        "Real estate",
        "Restaurants",
        "Hospitality"
      ],
      "summary": "Distinguished Programs publishes specialist insurance programs for real estate and hospitality risks.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Distinguished Programs official product information",
          "url": "https://www.distinguished.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Distinguished corporate privacy disclosure",
          "url": "https://distinguished.com/privacy-policy/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Distinguished Programs Insurance Brokerage LLC",
            "role": "Operating affiliate identified in the privacy policy",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Distinguished Prize Indemnity LLC dba American Hole ‘N One",
            "role": "Operating affiliate identified in the privacy policy",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Distinguished’s disclosure covers several affiliates. Select the program first, then verify the administrator and carrier on that program’s quotation; the corporate brand alone does not determine either.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "nip",
      "name": "NIP Group",
      "kind": "Program administrator",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/nip",
      "focus": [
        "Construction",
        "Landscaping",
        "Agriculture"
      ],
      "summary": "NIP Group publishes specialist programs for tree services, landscaping and lawn care businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "NIP Group official product information",
          "url": "https://nipgroup.com/insurance-programs/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "NIP Group Inc. corporate operating name",
          "url": "https://nipgroup.com/business-insurance-mobile-page/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "NIP Group, Inc.",
            "role": "Program administrator operating name",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "NIP’s directory spans multiple specialist programs. The administrator name and the actual issuing insurance company are different fields and should be confirmed for the selected program.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "paragon",
      "name": "Paragon Insurance Holdings",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/paragon",
      "focus": [
        "General liability",
        "Property",
        "Workers compensation",
        "Specialty"
      ],
      "summary": "Paragon describes a managing general agency with specialist insurance programs.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Paragon Insurance Holdings official product information",
          "url": "https://www.paragoninsgroup.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Paragon company and program description",
          "url": "https://paragoninsgroup.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Paragon Insurance Holdings, LLC",
            "role": "Managing general agency",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Paragon administers distinct underwriting programs, including products supported by different insurance companies. Its corporate identity should not be substituted for the insurer on a particular program’s policy.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "icat",
      "name": "ICAT",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/icat",
      "focus": [
        "Property",
        "Catastrophe"
      ],
      "summary": "ICAT focuses on catastrophe-exposed property insurance for homes and businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "ICAT official product information",
          "url": "https://www.icat.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "ICAT website legal entity disclosure",
          "url": "https://www.icat.com/terms-of-use.html",
          "checked_at": "2026-11-01",
          "document_date": "2021-02-12"
        },
        {
          "id": "payment-identity",
          "title": "ICAT policy payment entity",
          "url": "https://www.icat.com/policyholders/make-a-payment.html",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "International Catastrophe Insurance Managers, L.L.C.",
            "role": "Website operator named in the terms",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "ICAT Managers LLC",
            "role": "Entity named in policy payment instructions",
            "source": "payment-identity",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "ICAT’s terms dated February 12, 2021 name International Catastrophe Insurance Managers, L.L.C.; its payment instructions use ICAT Managers LLC. Confirm the current producer, payee and underwriting insurer on the transaction rather than treating every ICAT reference as the insurance company.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "rainbow-restaurants",
      "name": "Rainbow Restaurant Insurance",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/rainbow-restaurants",
      "focus": [
        "Restaurants",
        "Business owners policy",
        "General liability",
        "Excess liability",
        "Property"
      ],
      "summary": "Rainbow’s restaurant program combines property and general liability in a business owners policy and lists excess liability.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Rainbow Restaurant Insurance official product information",
          "url": "https://www.userainbow.com/industry/restaurant-insurance",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Rainbow agency licenses",
          "url": "https://www.userainbow.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "rainbow",
      "legal_profile": {
        "entities": [
          {
            "name": "Rainbow MGA Insurance Agency, Inc.",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "6008454"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "The restaurant offering is a program distributed by Rainbow. Its program page does not identify the issuing company for every jurisdiction; record that company from the actual quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "paragon-winere",
      "name": "Paragon WineRe",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/paragon-winere",
      "focus": [
        "Agriculture",
        "Property",
        "General liability",
        "Marine"
      ],
      "summary": "WineRe is Paragon’s program for wineries, host and virtual wineries, custom crush operations and related winemaking businesses.",
      "states": [
        "CA",
        "OR",
        "WA",
        "TX",
        "NY",
        "AZ"
      ],
      "sources": [
        {
          "id": "official",
          "title": "Paragon WineRe official product information",
          "url": "https://paragoninsgroup.com/niche-programs/winere/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "Paragon company and administrator identity",
          "url": "https://paragoninsgroup.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "paragon",
      "legal_profile": {
        "entities": [
          {
            "name": "Paragon Insurance Holdings, LLC",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          },
          {
            "name": "Arch Insurance Company",
            "role": "Insurer named on the program page",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "This program’s administrator is distinct from the issuing carrier. Confirm the insurer, form and any separately placed workers compensation or management liability policies on the actual quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "paragon-party-equipment-rental",
      "name": "Paragon Party & Equipment Rental",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/paragon-party-equipment-rental",
      "focus": [
        "General liability",
        "Property",
        "Inland marine",
        "Commercial auto"
      ],
      "summary": "Paragon’s rental program addresses party rental businesses, homeowner tool rental and construction equipment rental.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Paragon Party & Equipment Rental official product information",
          "url": "https://paragoninsgroup.com/niche-programs/party-equipment-rental/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "Paragon company and administrator identity",
          "url": "https://paragoninsgroup.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "paragon",
      "legal_profile": {
        "entities": [
          {
            "name": "Paragon Insurance Holdings, LLC",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          },
          {
            "name": "Arch Insurance Company",
            "role": "Insurer named on the program page",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "This program’s administrator is distinct from the issuing carrier. Confirm the insurer, form and any separately placed workers compensation or management liability policies on the actual quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "paragon-golf-country-club",
      "name": "Paragon Golf Course & Country Club",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/paragon-golf-country-club",
      "focus": [
        "General liability",
        "Property",
        "Inland marine",
        "Hospitality"
      ],
      "summary": "Paragon’s golf program identifies golf courses, country clubs and golf management companies, including ranges and golf shops.",
      "states": [
        "AZ",
        "CA",
        "CO",
        "CT",
        "GA",
        "IL",
        "MA",
        "MD",
        "MI",
        "MO",
        "NC",
        "NJ",
        "NV",
        "NY",
        "OR",
        "SC",
        "TN",
        "UT",
        "VA",
        "WA"
      ],
      "sources": [
        {
          "id": "official",
          "title": "Paragon Golf Course & Country Club official product information",
          "url": "https://paragoninsgroup.com/niche-programs/golf-course-country-club-program/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "Paragon company and administrator identity",
          "url": "https://paragoninsgroup.com/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "paragon",
      "legal_profile": {
        "entities": [
          {
            "name": "Paragon Insurance Holdings, LLC",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "This program’s administrator is distinct from the issuing carrier. Confirm the insurer, form and any separately placed workers compensation or management liability policies on the actual quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "ledgebrook",
      "name": "Ledgebrook",
      "kind": "MGA",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/ledgebrook",
      "focus": [
        "General liability",
        "Professional liability",
        "Cyber"
      ],
      "summary": "Ledgebrook describes itself as a technology-enabled excess and surplus lines managing general agent.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Ledgebrook official product information",
          "url": "https://www.ledgebrook.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Ledgebrook website terms",
          "url": "https://www.ledgebrook.com/terms-of-use",
          "checked_at": "2026-11-01",
          "document_date": "2026-03-24"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Ledgebrook Inc.",
            "role": "Entity named in the website terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The company’s underwriting role and the legal operator of its website are different questions from the identity of the insurer issuing a particular policy. Preserve the carrier name and form number from the quote.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "compscience",
      "name": "CompScience",
      "kind": "Program administrator",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/compscience",
      "focus": [
        "Workers compensation"
      ],
      "summary": "CompScience combines a workers compensation insurance program with workplace risk management.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CompScience official product information",
          "url": "https://www.compscience.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CompScience terms and operating entity",
          "url": "https://www.compscience.com/terms-of-service/",
          "checked_at": "2026-11-01",
          "document_date": "2025-05-15"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Kinetic Incorporated d/b/a CompScience",
            "role": "Operator named in the service terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The service terms identify the operator of the safety and technology service. Confirm the licensed insurance distribution entity and the workers compensation insurer separately on the insurance proposal.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "falcon-risk-services",
      "name": "Falcon Risk Services",
      "kind": "Underwriting organization",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/falcon-risk-services",
      "focus": [
        "Management liability",
        "Professional liability",
        "Cyber"
      ],
      "summary": "Falcon Risk Services describes underwriting and claims services for management, professional and cyber liability and identifies itself as an HDI company.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Falcon Risk Services official product information",
          "url": "https://www.falconriskservices.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Falcon legal name and HDI transaction disclosure",
          "url": "https://www.falconriskservices.com/news-and-insights/hdi-global-specialty-further-strengthens-position-in-us-market-with-falcon-risk-holdings-transaction",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Falcon Risk Holdings, LLC, operating as Falcon Risk Services",
            "role": "Managing general agency",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The January 2024 disclosure says Falcon writes on behalf of HDI on admitted and nonadmitted company insurers. It identifies the operating MGA; the applicable HDI insurer must still be identified for each proposed coverage.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "us-assure",
      "name": "US Assure",
      "kind": "Program administrator",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/us-assure",
      "focus": [
        "Builders risk",
        "Property"
      ],
      "summary": "US Assure focuses prominently on builders risk and course-of-construction insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "US Assure official product information",
          "url": "https://www.usassure.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "US Assure website ownership and terms",
          "url": "https://www.usassure.com/terms-of-use",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "US Assure Insurance Services of Florida, Inc. dba InsuranceLink",
            "role": "Operator identified in the website terms",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The terms identify the operator of the website and related domains. They do not make that service company the insurer on a builders risk policy; the underwriting carrier belongs on the quotation.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "palomar",
      "name": "Palomar",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/palomar",
      "focus": [
        "Earthquake",
        "Inland marine",
        "General liability",
        "Environmental",
        "Agriculture",
        "Surety"
      ],
      "summary": "Palomar publishes commercial earthquake and inland marine insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Palomar official product information",
          "url": "https://www.palomarspecialty.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Palomar agency and underwriting companies",
          "url": "https://plmr.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Palomar Insurance Agency, Inc. dba Palomar General Insurance Agency",
            "role": "Licensed agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0K44953"
              }
            ]
          },
          {
            "name": "Palomar Specialty Insurance Company",
            "role": "Underwriting company",
            "source": "legal",
            "identifiers": [],
            "domicile": "Oregon"
          },
          {
            "name": "Palomar Excess and Surplus Insurance Company",
            "role": "Underwriting company",
            "source": "legal",
            "identifiers": [],
            "domicile": "Arizona"
          },
          {
            "name": "Palomar Casualty and Surety Company",
            "role": "Underwriting company",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Palomar’s license page separates its agency from the companies that issue insurance. The company shown on the actual quotation determines the underwriting entity for a particular earthquake, casualty or surety product.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "capspecialty",
      "name": "CapSpecialty",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/capspecialty",
      "focus": [
        "Professional liability",
        "Healthcare",
        "General liability",
        "Environmental",
        "Surety",
        "Management liability"
      ],
      "summary": "CapSpecialty provides specialty insurance for small and midsize businesses.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CapSpecialty official product information",
          "url": "https://www.capspecialty.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CapSpecialty company and operating insurers",
          "url": "https://www.capspecialty.com/aboutus/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "identity",
          "title": "CapSpecialty medical facilities guide and entity disclosure",
          "url": "https://psmedia.capspecialty.com/wp-content/uploads/2023/07/07134836/CapSpecialty_Misc-Med_Sell-Sheet.pdf",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "CapSpecialty, Inc.",
            "role": "Group brand and operating parent",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "Capitol Indemnity Corporation",
            "role": "Insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10472"
              }
            ]
          },
          {
            "name": "Capitol Specialty Insurance Corporation",
            "role": "Insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10328"
              }
            ]
          },
          {
            "name": "Platte River Insurance Company",
            "role": "Operating insurance company",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "CapSpecialty identifies multiple operating companies. The medical-facilities guide also explains that some products may use surplus-lines paper; identify the insurer and form rather than inferring one legal basis for the whole brand.",
            "source": "identity"
          }
        ]
      }
    },
    {
      "id": "counterpart",
      "name": "Counterpart",
      "kind": "Underwriting organization",
      "group": "MGAs and underwriting businesses",
      "path": "/markets/counterpart",
      "focus": [
        "Management liability"
      ],
      "summary": "Counterpart’s management liability offering includes private company and nonprofit directors and officers insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Counterpart official product information",
          "url": "https://yourcounterpart.com/services/management-liability",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Counterpart licenses and insurance carriers",
          "url": "https://yourcounterpart.com/licenses",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Counterpart Insurance Services, Inc.",
            "role": "Licensed producer and surplus lines broker",
            "source": "legal",
            "identifiers": [
              {
                "type": "NPN",
                "value": "19374834"
              },
              {
                "type": "California license",
                "value": "6000547"
              }
            ]
          },
          {
            "name": "Aspen Specialty Insurance Company",
            "role": "One of the listed issuing carriers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "10717"
              }
            ]
          },
          {
            "name": "Evanston Insurance Company",
            "role": "One of the listed issuing carriers",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "35378"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Counterpart’s schedule includes additional insurers with different jurisdiction lists. The named policy insurer, rather than the Counterpart brand, is responsible for the insurance contract.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "dellwood",
      "name": "Dellwood",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/dellwood",
      "focus": [
        "General liability",
        "Property",
        "Specialty"
      ],
      "summary": "Dellwood Specialty Insurance Company describes itself as an excess and surplus lines carrier for small and middle-market commercial risks.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Dellwood official product information",
          "url": "https://dellwood.com/about-dellwood-insurance/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Dellwood Specialty Insurance Company",
            "role": "Excess and surplus lines insurer",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Dellwood’s company page distinguishes the balance-sheet insurer from its distribution through wholesale brokers and selected program administrators. A distributor’s name does not replace the underwriting company.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "nip-treepro",
      "name": "NIP TreePro",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/nip-treepro",
      "focus": [
        "Landscaping",
        "General liability",
        "Commercial auto",
        "Workers compensation",
        "Excess liability"
      ],
      "summary": "TreePro is NIP’s program for tree service professionals, including pruning, removal, utility line clearance, spraying and plant health care.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "NIP TreePro official product information",
          "url": "https://nipgroup.com/insurance-programs/tree-services-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "NIP Group Inc. operating identity",
          "url": "https://nipgroup.com/business-insurance-mobile-page/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "nip",
      "legal_profile": {
        "entities": [
          {
            "name": "NIP Group, Inc.",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The cited program page describes coverage and underwriting requirements but does not identify one legal insurer for every proposed coverage. Confirm the carrier and policy form for each line in the program quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "nip-sitepro-excavation",
      "name": "NIP SitePro: Grading & Excavation",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/nip-sitepro-excavation",
      "focus": [
        "Construction",
        "General liability",
        "Commercial auto",
        "Inland marine",
        "Environmental"
      ],
      "summary": "NIP’s SitePro excavation program identifies grading, excavation, site preparation and land improvement contractors.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "NIP SitePro: Grading & Excavation official product information",
          "url": "https://nipgroup.com/insurance-programs/grading-excavation-contractors-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "NIP Group Inc. operating identity",
          "url": "https://nipgroup.com/business-insurance-mobile-page/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "nip",
      "legal_profile": {
        "entities": [
          {
            "name": "NIP Group, Inc.",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The cited program page describes coverage and underwriting requirements but does not identify one legal insurer for every proposed coverage. Confirm the carrier and policy form for each line in the program quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "nip-sitepro-paving",
      "name": "NIP SitePro: Paving & Road Contractors",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/nip-sitepro-paving",
      "focus": [
        "Construction",
        "General liability",
        "Commercial auto",
        "Environmental"
      ],
      "summary": "NIP’s SitePro road program identifies paving contractors and roadway striping contractors.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "NIP SitePro: Paving & Road Contractors official product information",
          "url": "https://nipgroup.com/insurance-programs/road-paving-contractors-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "administrator",
          "title": "NIP Group Inc. operating identity",
          "url": "https://nipgroup.com/business-insurance-mobile-page/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "nip",
      "legal_profile": {
        "entities": [
          {
            "name": "NIP Group, Inc.",
            "role": "Program administrator",
            "source": "administrator",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The cited program page describes coverage and underwriting requirements but does not identify one legal insurer for every proposed coverage. Confirm the carrier and policy form for each line in the program quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "spinnaker",
      "name": "Spinnaker Insurance Company",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/spinnaker",
      "focus": [
        "Program capacity",
        "Property",
        "General liability",
        "Business owners policy"
      ],
      "summary": "Spinnaker describes a property and casualty insurance business supporting managing general agents and program administrators.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Spinnaker Insurance Company official company and product information",
          "url": "https://www.spinnakerins.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Spinnaker statutory insurer information",
          "url": "https://www.spinnakerins.com/statutory-information",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Spinnaker Insurance Company",
            "role": "Admitted insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "24376"
              }
            ],
            "domicile": "Illinois"
          },
          {
            "name": "Spinnaker Specialty Insurance Company",
            "role": "Surplus lines insurance company",
            "source": "legal",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "17045"
              }
            ],
            "domicile": "Texas"
          }
        ],
        "notes": [
          {
            "text": "The statutory page also lists Wingsail Insurance Company, an Arizona insurer with NAIC 17506. These entities have separate authorizations. An affiliation or a program partnership does not make their paper interchangeable.",
            "source": "legal"
          }
        ]
      }
    },
    {
      "id": "benchmark",
      "name": "Benchmark Insurance Company",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/benchmark",
      "focus": [
        "Program capacity",
        "Workers compensation",
        "Property"
      ],
      "summary": "Benchmark develops specialty insurance programs with program managers, MGAs, MGUs, captives and carriers.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Benchmark Insurance Company official company and product information",
          "url": "https://www.benchmarkinsco.com/partnerships.html",
          "checked_at": "2026-11-01"
        },
        {
          "id": "identity",
          "title": "Coterie insurer code list identifying Benchmark",
          "url": "https://coterieinsurance.com/ivans-commercial-lines-downloads-for-coterie-insurance-agents/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Benchmark Insurance Company",
            "role": "Program insurer",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "41394"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Benchmark’s own program overview says programs may operate regionally or in specified states. The insurer code identifies the company, not the eligible states and terms of every Benchmark-backed program.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "clear-spring",
      "name": "Clear Spring Property and Casualty",
      "kind": "Carrier",
      "group": "Carriers and specialist markets",
      "path": "/markets/clear-spring",
      "focus": [
        "Workers compensation",
        "General liability"
      ],
      "summary": "Clear Spring’s public property and casualty product offering lists workers compensation.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Clear Spring Property and Casualty official company and product information",
          "url": "https://www.clearspringpc.com/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "regulator",
          "title": "California Department of Insurance: Clear Spring",
          "url": "https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=101355&event=companyProfile",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Clear Spring Property and Casualty Company",
            "role": "Insurance company",
            "source": "regulator",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "15563"
              }
            ],
            "domicile": "Indiana"
          }
        ],
        "notes": [
          {
            "text": "The regulator record lists Seabright Insurance Company as a former name. This helps reconcile older policy records but should not be read as a new-business appetite statement.",
            "source": "regulator"
          }
        ]
      }
    },
    {
      "id": "everspan",
      "name": "Everspan Group",
      "kind": "Insurance group",
      "group": "Carriers and specialist markets",
      "path": "/markets/everspan",
      "focus": [
        "Program capacity",
        "Property"
      ],
      "summary": "Everspan describes itself as a risk-bearing partner for program business using a participatory fronting model.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Everspan Group official company and product information",
          "url": "https://everspangroup.com/about-us/default.aspx",
          "checked_at": "2026-11-01"
        },
        {
          "id": "identity",
          "title": "Coterie insurer code list identifying Everspan",
          "url": "https://coterieinsurance.com/ivans-commercial-lines-downloads-for-coterie-insurance-agents/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": null,
      "legal_profile": {
        "entities": [
          {
            "name": "Everspan Insurance Company",
            "role": "Admitted insurance company",
            "source": "identity",
            "identifiers": [
              {
                "type": "NAIC",
                "value": "24961"
              }
            ]
          },
          {
            "name": "Everspan Indemnity Insurance Company",
            "role": "Surplus lines insurance company",
            "source": "official",
            "identifiers": [],
            "domicile": "Arizona"
          }
        ],
        "notes": [
          {
            "text": "Everspan’s corporate page distinguishes admitted and surplus-lines companies. Verify the specific company and program arrangement rather than treating the group as a single insurer.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cfc-cyber-proactive-response",
      "name": "CFC Cyber Proactive Response",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cfc-cyber-proactive-response",
      "focus": [
        "Cyber"
      ],
      "summary": "CFC positions Cyber Proactive Response for businesses with revenue from $0 to $250 million.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CFC Cyber Proactive Response product information",
          "url": "https://www.cfc.com/en-us/products/class/cyber-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CFC regulatory information",
          "url": "https://www.cfc.com/en-us/support/regulatory-information/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cfc",
      "legal_profile": {
        "entities": [
          {
            "name": "CFC Underwriting Limited",
            "role": "Underwriting business",
            "source": "legal",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "03302887"
              },
              {
                "type": "FCA reference",
                "value": "312848"
              }
            ],
            "domicile": "England and Wales"
          },
          {
            "name": "CFC USA Inc.",
            "role": "US licensed producer",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "CFC General Insurance Agency, Inc.",
            "role": "California licensed name for CFC USA",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The product page does not identify one issuing insurer for every account. Read the actual proposal alongside CFC’s regulatory disclosures.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cfc-cyber-admitted",
      "name": "CFC Cyber Admitted",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cfc-cyber-admitted",
      "focus": [
        "Cyber"
      ],
      "summary": "CFC lists Cyber (admitted) separately from Cyber Proactive Response and Corporate cyber.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CFC Cyber Admitted product information",
          "url": "https://www.cfc.com/en-us/products/class/cyber-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CFC regulatory information",
          "url": "https://www.cfc.com/en-us/support/regulatory-information/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cfc",
      "legal_profile": {
        "entities": [
          {
            "name": "CFC Underwriting Limited",
            "role": "Underwriting business",
            "source": "legal",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "03302887"
              },
              {
                "type": "FCA reference",
                "value": "312848"
              }
            ],
            "domicile": "England and Wales"
          },
          {
            "name": "CFC USA Inc.",
            "role": "US licensed producer",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "CFC General Insurance Agency, Inc.",
            "role": "California licensed name for CFC USA",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The product label describes an admitted offering, but does not establish state-by-state availability or the insurer on a particular quote.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cfc-corporate-cyber",
      "name": "CFC Corporate Cyber",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cfc-corporate-cyber",
      "focus": [
        "Cyber"
      ],
      "summary": "CFC positions Corporate cyber for businesses with revenue of $250 million and above.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CFC Corporate Cyber product information",
          "url": "https://www.cfc.com/en-us/products/class/cyber-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CFC regulatory information",
          "url": "https://www.cfc.com/en-us/support/regulatory-information/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cfc",
      "legal_profile": {
        "entities": [
          {
            "name": "CFC Underwriting Limited",
            "role": "Underwriting business",
            "source": "legal",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "03302887"
              },
              {
                "type": "FCA reference",
                "value": "312848"
              }
            ],
            "domicile": "England and Wales"
          },
          {
            "name": "CFC USA Inc.",
            "role": "US licensed producer",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "CFC General Insurance Agency, Inc.",
            "role": "California licensed name for CFC USA",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "CFC’s corporate product page supplies product features, not the issuing insurer for a particular placement. Confirm the insurer and participating capacity on the proposal.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cfc-cyber-excess",
      "name": "CFC Cyber Excess",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cfc-cyber-excess",
      "focus": [
        "Cyber"
      ],
      "summary": "CFC Cyber excess is offered above primary cyber insurance.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "CFC Cyber Excess product information",
          "url": "https://www.cfc.com/en-us/products/class/cyber-insurance/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "CFC regulatory information",
          "url": "https://www.cfc.com/en-us/support/regulatory-information/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cfc",
      "legal_profile": {
        "entities": [
          {
            "name": "CFC Underwriting Limited",
            "role": "Underwriting business",
            "source": "legal",
            "identifiers": [
              {
                "type": "UK company number",
                "value": "03302887"
              },
              {
                "type": "FCA reference",
                "value": "312848"
              }
            ],
            "domicile": "England and Wales"
          },
          {
            "name": "CFC USA Inc.",
            "role": "US licensed producer",
            "source": "legal",
            "identifiers": []
          },
          {
            "name": "CFC General Insurance Agency, Inc.",
            "role": "California licensed name for CFC USA",
            "source": "legal",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "The public product page describes available excess features. The actual insurer, attachment and terms must be identified in the quotation.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cowbell-prime-100",
      "name": "Cowbell Prime 100",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cowbell-prime-100",
      "focus": [
        "Cyber"
      ],
      "summary": "Prime 100 is an admitted standalone cyber product for businesses with up to $100 million in revenue.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Cowbell Prime 100 product information",
          "url": "https://cowbell.insure/prime-100/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Cowbell agency license information",
          "url": "https://cowbell.insure/state-licenses/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cowbell",
      "legal_profile": {
        "entities": [
          {
            "name": "Cowbell Insurance Agency LLC",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0N04366"
              }
            ]
          },
          {
            "name": "Spinnaker Insurance Company",
            "role": "Published issuing insurer for Prime 100",
            "source": "official",
            "identifiers": []
          }
        ],
        "notes": [
          {
            "text": "Cowbell names Spinnaker Insurance Company as the paper provider for Prime 100. Confirm the insurer and state-specific policy on the quote.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cowbell-prime-one",
      "name": "Cowbell Prime One",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cowbell-prime-one",
      "focus": [
        "Cyber"
      ],
      "summary": "Prime One is a nonadmitted standalone cyber product with published available limits up to $10 million.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Cowbell Prime One product information",
          "url": "https://cowbell.insure/prime-one/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Cowbell agency license information",
          "url": "https://cowbell.insure/state-licenses/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cowbell",
      "legal_profile": {
        "entities": [
          {
            "name": "Cowbell Insurance Agency LLC",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0N04366"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "The product page identifies Prime One as nonadmitted but does not name one universal issuing insurer. Confirm the insurer, surplus-lines route and applicable notices on the account’s quote.",
            "source": "official"
          }
        ]
      }
    },
    {
      "id": "cowbell-prime-tech",
      "name": "Cowbell Prime Tech",
      "kind": "Program",
      "group": "Programs",
      "path": "/programs/cowbell-prime-tech",
      "focus": [
        "Cyber",
        "Professional liability",
        "Technology"
      ],
      "summary": "Prime Tech combines technology errors and omissions with cyber insurance for technology businesses with up to $1 billion in revenue.",
      "states": null,
      "sources": [
        {
          "id": "official",
          "title": "Cowbell Prime Tech product information",
          "url": "https://cowbell.insure/prime-tech/",
          "checked_at": "2026-11-01"
        },
        {
          "id": "legal",
          "title": "Cowbell agency license information",
          "url": "https://cowbell.insure/state-licenses/",
          "checked_at": "2026-11-01"
        }
      ],
      "source_checked_at": "2026-11-01",
      "parent": "cowbell",
      "legal_profile": {
        "entities": [
          {
            "name": "Cowbell Insurance Agency LLC",
            "role": "Licensed insurance agency",
            "source": "legal",
            "identifiers": [
              {
                "type": "California license",
                "value": "0N04366"
              }
            ]
          }
        ],
        "notes": [
          {
            "text": "Cowbell describes Prime Tech as a surplus-lines offering. Its public product page does not establish the issuing insurer for every account; use the proposal and policy declarations.",
            "source": "official"
          }
        ]
      }
    }
  ]
}