Carrier network
55 API-enabled carriers. One placement layer.
Standard admitted carriers, digital MGAs, aggregator APIs (CoverForce, Herald, bolttech), and specialty E&S, routed automatically by appetite, geography, and class of business.
Total carriers & MGAs
55
Aggregator APIs
1
Digital & embedded platforms
9
Showing 55 of 55 carriers
#01
Travelers Insurance
Admitted
Admitted Carrier
Lines
BOP, GL, WC, Cyber, Commercial Auto, Inland Marine
Servicing
Yes — self-service portal + API servicing
API
CoverForce, proprietary API partner portal
Notes
One of largest small commercial APIs; full quote-bind-service via CoverForce
Contact
agency.travelers.com | API: coverforce.com | Partnership: (800) 842-5075
#02
Liberty Mutual / Safeco
Admitted
Admitted Carrier
Lines
BOP, GL, WC, Commercial Auto, Property
Servicing
Yes — digital self-service + agent portal
API
CoverForce, Agent portal API
Notes
API access via CoverForce; Safeco sub-brand for P&C distribution
Contact
libertymutualgroup.com/agents | API partnerships: (617) 357-9500 | api@libertymutual.com
#03
Chubb
E&S
Admitted/E&S Carrier
Lines
BOP, Cyber, D&O, EPLI, GL, Crime, Management Liability, Property, Surety
Servicing
Yes — Chubb Small Business API
API
Chubb Connect API, CoverForce
Notes
Chubb Connect portal for digital distribution; Herald API Index listed
Contact
chubb.com/us-en/agents-brokers | API: chubbbconnect.com | (800) 252-4670
#04
The Hartford
Admitted
Admitted Carrier
Lines
BOP, GL, WC, Commercial Auto, Cyber, Umbrella
Servicing
Yes — #1 ranked small biz digital experience (Keynova 2025)
API
Hartford Agent Portal API, Hartford for Business
Notes
7-year consecutive leader in small commercial digital experience; full API ecosystem
Contact
thehartford.com/agents | businessinsurance@thehartford.com | (888) 467-5526
#05
Nationwide
Admitted
Admitted Carrier
Lines
BOP, GL, Commercial Auto, Farm, Umbrella, WC
Servicing
Yes — digital quote-bind-service
API
Nationwide Agent API portal
Notes
API partnerships for embedded distribution; strong Midwest small commercial footprint
Contact
nationwide.com/agents | agent.services@nationwide.com | (877) 669-6877
#06
Hanover Insurance Group
Admitted
Admitted Carrier
Lines
BOP, GL, Commercial Auto, Property, WC, Umbrella
Servicing
Yes — Hanover Connect digital platform
API
Hanover Connect, API partnerships via independent agents
Notes
Strong independent agent API program; small commercial focus
Contact
hanover.com/agents | agencyservices@hanover.com | (800) 922-8427
#07
CNA Financial
Admitted
Admitted Carrier
Lines
BOP, GL, WC, Cyber, Tech E&O, Management Liability, Property
Servicing
Yes
API
CNA Connect API, Herald API Index
Notes
Listed in Herald Insurance API Index; full SMB policy servicing
Contact
cna.com/agents | cnaconnect@cna.com | (800) 262-2000
#08
Acuity Insurance
Admitted
Admitted Carrier (Midwest/Regional)
Lines
BOP, Commercial Auto, GL, Package, Property, WC
Servicing
Yes — full digital servicing
API
Acuity Connect API (Herald API Index)
Notes
Herald API Index listed; strong small commercial automation
Contact
acuity.com/agents | agencyrelations@acuity.com | (800) 242-7666
#09
Philadelphia Insurance Cos (PHLY)
Admitted
Admitted Carrier
Lines
BOP, Professional Liability, Cyber, Property, GL, Commercial Auto
Servicing
Yes — PHLYBOP platform (launched 2025)
API
PHLYBOP digital platform + API
Notes
Launched fully digital BOP platform Oct 2025; $25B addressable SMB market focus
Contact
phly.com/agents | (800) 873-4552 | api.support@phly.com
#10
Employers Holdings (EMPLOYERS)
Admitted
Admitted Carrier
Lines
Workers Compensation (small business specialty)
Servicing
Yes — digital-first WC for small biz
API
Employers API, CoverForce
Notes
Hyper-focused WC carrier for small business; fast API bind
Contact
employers.com/agents | agencyrelations@employers.com | (888) 682-6671
#11
Great American Insurance Group
Admitted
Admitted Carrier
Lines
BOP, GL, WC, Professional Liability, Crop, Surety
Servicing
Yes — Great American Commercial API
API
Direct API (greatamericaninsurancegroup.com/commercial-api)
Notes
A+ AM Best; launched Commercial API for quote-bind-issue; CoverForce partner
Contact
gaig.com/agents | commercialapi@gaig.com | (800) 545-4269
#12
Westfield Group
Admitted
Admitted Carrier (Regional)
Lines
BOP, Commercial Auto, GL, Property, WC, Umbrella
Servicing
Yes
API
Westfield digital API portal
Notes
Strong independent agent API; small commercial servicing included
Contact
westfieldinsurance.com/agents | agencyrelations@westfield.com | (800) 243-0210
#13
Berkley One (W.R. Berkley)
Admitted
Admitted Carrier
Lines
BOP, GL, Inland Marine, Umbrella, Cyber
Servicing
Yes — API-enabled binding
API
Berkley One API portal, Herald API Index affiliate
Notes
W.R. Berkley subsidiary with strong API program
Contact
berkleyone.com | berkleyoneinfo@berkley.com | (203) 629-3000
#14
AmTrust Financial Services
E&S
Admitted/E&S Carrier
Lines
BOP, Cyber, WC + 3 additional binding authority LOBs
Servicing
Yes — AmTrust small business focus
API
Herald API Index listed; AmTrust digital portal
Notes
Herald API Index: BOP, Cyber, WC + binding authorities; strong SMB servicing
Contact
amtrustfinancial.com | agentservices@amtrust.com | (877) 528-7878
#15
Zurich North America
Admitted
Admitted/Global Carrier
Lines
Commercial Property, GL, Commercial Auto, WC, Management Liability, Cyber
Servicing
Mid-market and above; some SMB via API partners
API
Zurich API Gateway (ZConnect)
Notes
ZConnect digital platform; API for distribution partners; emerging SMB digital focus
Contact
zurichna.com/agents | zconnect.zurich.com | (800) 382-2150
#16
Markel Corporation
E&S
E&S / Specialty Carrier
Lines
GL, Professional Liability, Hospitality, Marine, Cyber, Excess, Property
Servicing
Yes via Markel Direct API
API
Markel Specialty API, Markel Direct portal
Notes
Strong specialty API; small commercial serviced through Markel Direct
Contact
markel.com/agents | markeldirect@markel.com | (888) 500-3344
#17
Arch Insurance Group
E&S
Admitted/E&S Carrier
Lines
BOP, Crime, Cyber, D&O, EPLI, Fiduciary, K&R, Professional Liability, Surety
Servicing
Yes for small commercial lines
API
Herald API Index listed; Arch Digital platform
Notes
Herald API Index: 9 API-enabled products including binding authority
Contact
archinsurance.com/agents | archdigital@archinsurance.com | (212) 651-6500
#18
Hiscox USA
E&S
Admitted/E&S Carrier
Lines
GL, BOP, Professional Liability, Cyber, Management Liability, D&O
Servicing
Yes — Hiscox Direct API + agent portal
API
Hiscox API, partner integration portal
Notes
Direct digital model with API; strong small biz UX; instant bind for core SMB lines
Contact
hiscox.com/small-business-insurance | api@hiscox.com | (888) 202-3007
#19
Axis Capital
E&S
E&S / Specialty Carrier
Lines
Cyber, Professional Liability, Tech E&O, D&O, Property, Marine
Servicing
Small business cyber and PL
API
Herald API Index listed; AXIS Digital Exchange
Notes
Herald API Index: Cyber, PL, Tech E&O — growing digital distribution
Contact
axiscapital.com | digitalexchange@axiscapital.com | (212) 390-9000
#20
Kinsale Capital Group
E&S
E&S Carrier
Lines
Casualty, Property, Professional, Management Liability, Healthcare
Servicing
Yes — E&S small commercial
API
Kinsale digital platform
Notes
Fast-growing E&S carrier with digital-first approach; bindable via API
Contact
kinsalecapitalgroup.com | submissions@kinsalecapitalgroup.com | (804) 289-1300
#21
Skyward Specialty Insurance
E&S
E&S / Specialty Carrier
Lines
GL, Property, Professional Liability, Inland Marine, Umbrella
Servicing
Niche SMB E&S via API
API
Skyward Specialty digital portal
Notes
E&S specialty with growing API distribution; Herald API Index referenced
Contact
skywardspecialty.com | submissions@skywardspecialty.com | (281) 968-5665
#22
Atlantic Casualty Insurance
E&S
E&S Carrier (Nationwide)
Lines
GL, Inland Marine, Package, Property + binding authority
Servicing
Yes — contractor and SMB GL focus
API
Herald API Index listed
Notes
Herald API Index: 5 API products + binding authority GL/Property
Contact
atlanticcasualty.net | submissions@atlanticcasualty.net | (800) 521-4612
#23
Applied Underwriters
MGA
Carrier / MGA (Berkshire Hathaway)
Lines
WC, GL, Commercial Auto, Umbrella
Servicing
Yes — EquityComp program
API
Applied Underwriters API portal
Notes
Berkshire Hathaway subsidiary; strong WC small commercial API
Contact
applieduw.com | solutions@applieduw.com | (877) 234-4450
#24
Coterie Insurance (MGA)
MGA
MGA / Managing General Agent
Lines
BOP, GL, Professional Liability, Cyber, EPL, Workplace Violence
Servicing
YES — purpose-built for small business; full servicing
API
Coterie Partner API (direct integration, 3-week setup)
Notes
92% bindable quote success rate; 90-second quotes; all 50 states; Coty chatbot for SMB servicing
Contact
coterieinsurance.com/partners | partnerships@coterieinsurance.com | (513) 769-3300
#25
Coalition Inc.
MGA
Cyber MGA / Carrier
Lines
Cyber, Technology E&O, Management Liability
Servicing
Yes — Coalition for Business (small biz cyber)
API
Coalition API + Herald API Index
Notes
Active cyber monitoring included; API-first; instant binding for small biz cyber
Contact
coalitioninc.com/partners | partnerships@coalitioninc.com | (650) 999-7990
#26
Cowbell Cyber
MGA
Cyber MGA
Lines
Cyber (Prime 100, Prime 250, Prime Tech+)
Servicing
Yes — Prime 100 for businesses under $25M revenue
API
Cowbell API (partner program), Herald API Index
Notes
AI-powered cyber; small biz servicing via Cowbell app; Zywave partnership via Herald
Contact
cowbell.insure/partners | partnerships@cowbell.insure | (669) 234-6099
#27
At-Bay
MGA
Cyber / Tech MGA
Lines
Cyber (2 products), Tech E&O, Professional Liability
Servicing
Yes — At-Bay Stance for small/mid-market
API
Herald API Index listed; At-Bay API portal
Notes
Built-in security monitoring; API quoted and bound instantly; strong SMB cyber platform
Contact
at-bay.com/brokers | brokers@at-bay.com | (415) 964-4040
#28
Next Insurance
Digital
Digital Carrier / MGA
Lines
BOP, GL, WC, Professional Liability, Commercial Auto, Tools & Equipment
Servicing
YES — primary target market is SMB
API
Next Insurance Partner API (embedded partner program)
Notes
Fully API-driven; 24/7 self-service; COI on demand; ideal for embedded distribution
Contact
nextinsurance.com/partners | partners@nextinsurance.com | (415) 314-5507
#29
Pie Insurance
Digital
Digital Carrier / MGA
Lines
Workers Compensation (small biz specialty)
Servicing
Yes — only WC, hyper-focused SMB
API
Pie Partner API
Notes
WC specialist; API-enabled instant quotes; small biz servicing built in
Contact
pieinsurance.com/agents | partners@pieinsurance.com | (855) 657-6683
#30
Openly (Homeowners MGA)
MGA
MGA (Personal Lines / HOA)
Lines
Homeowners, Landlord, Umbrella (high-value homes)
Servicing
Personal lines; relevant for embedded HOA/property
API
Openly API for agents and embedded partners
Notes
Embedded API for homeowners; relevant for real estate or fintech distribution
Contact
openly.com/agents | support@openly.com | (888) 922-3434
#31
Boost Insurance
Embedded
Embedded Insurance Platform/MGA
Lines
Renters, Pet, Travel, Cyber, Drone, Event, Gig Worker
Servicing
Yes — specializes in embedded SMB products
API
Boost Embedded API (full product API)
Notes
White-label API infrastructure; full-stack insurance for embedding any product
Contact
boostinsurance.io/partners | hello@boostinsurance.io | (415) 498-6800
#32
Sure (Embedded Insurance)
Embedded
Embedded Insurance Platform
Lines
Travel, Device, Renters, Pet, Event, Cyber, Gap
Servicing
Embedded small account coverage via platform
API
Sure Platform API (developer-first)
Notes
White-label insurance API; full policy lifecycle servicing; deep enterprise integrations
Contact
sureapp.com/enterprise | enterprise@sureapp.com | (855) 337-8731
#33
bolttech
Embedded
Global Embedded Insurance Platform
Lines
Device, Travel, Cyber, Home, Mobility (global)
Servicing
Yes — API connects to multiple carriers + servicing
API
bolttech Embedded API (instant quote-bind-service)
Notes
Global embedded infrastructure; API connects to carrier network with full SMB servicing included
Contact
bolttech.io/partners | partnerships@bolttech.io | +1 (212) 457-8843
#34
Cover Genius (XCover)
Embedded
Global Embedded Insurance Platform
Lines
Travel, Shipping, Device, Gig, Commerce, Event
Servicing
Yes — global SMB embedded distribution
API
XCover API (global, multi-carrier)
Notes
Distributed in 60+ countries; XCover API is single integration to multiple carriers; global servicing
Contact
covergenius.com/partners | partners@covergenius.com | (646) 543-4335
#35
Coverdash
Digital
Digital Insurance Agency / MGA
Lines
BOP, GL, WC, Cyber, Professional Liability, D&O, Management Liability
Servicing
Yes — small biz and startup focus
API
Coverdash API (white-label embeddable)
Notes
Embeddable API for platforms; covers startups, SMBs, e-commerce; full lifecycle servicing
Contact
coverdash.com/partners | partnerships@coverdash.com | (212) 226-7600
#36
Embroker
Digital
Digital Insurance Agency / MGA
Lines
D&O, Cyber, EPLI, GL, Professional Liability, BOP, WC (startup + tech focus)
Servicing
Yes — startup and tech SMB focus
API
Embroker API (partner/embedded program)
Notes
Strong tech startup focus; instant bind for D&O and cyber; API-first from founding
Contact
embroker.com/partners | partnerships@embroker.com | (415) 630-4000
#37
Shepherd Insurance (Construction Tech)
MGA
MGA (Construction Specialty)
Lines
General Liability, WC, Builder's Risk, Umbrella (construction)
Servicing
Yes — small construction firm focus
API
Shepherd API + digital bind portal
Notes
Construction-specific MGA; AI-powered underwriting; API bind for small contractors
Contact
shepherd.com/brokers | brokers@shepherd.com | (212) 389-2700
#38
Nirvana Insurance (Trucking)
MGA
MGA (Trucking / Commercial Auto)
Lines
Primary Liability, Cargo, Physical Damage (trucking)
Servicing
Yes — owner-operator and small fleet focus
API
Nirvana API (telematics-driven)
Notes
Telematics-based trucking insurance; API-enabled instant quotes; small fleet servicing
Contact
nirvanainsurance.com/brokers | brokers@nirvanainsurance.com | (650) 360-3600
#39
Resilience Cyber Insurance
MGA
MGA (Cyber Specialty)
Lines
Cyber, Tech E&O, Privacy Liability
Servicing
Mid-market+ focus; small tech company coverage
API
Resilience API portal
Notes
Cyber risk quantification + API bind; integrated risk management platform
Contact
cyberresilience.com/brokers | brokers@cyberresilience.com | (415) 926-5200
#40
Corvus Insurance (Smart Cyber MGA)
MGA
MGA (Cyber Specialty, now Travelers)
Lines
Cyber, Professional Liability, Tech E&O
Servicing
Yes — small business cyber
API
Corvus API / FlockPlus digital portal
Notes
Acquired by Travelers (2024); AI-driven cyber underwriting; API quotable small biz
Contact
corvusinsurance.com/agents | agents@corvusinsurance.com | (617) 303-3820
#41
Palomar Specialty Insurance
MGA
Specialty MGA / Carrier
Lines
Earthquake, Flood, Inland Marine, Commercial Property
Servicing
Yes — earthquake and specialty property for SMB
API
Palomar API (specialty property)
Notes
Earthquake and specialty flood API; relevant for geo-specific small biz embedding
Contact
plmr.com/agents | agents@plmr.com | (619) 325-1200
#42
Neptune Flood Insurance
MGA
MGA (Flood Specialty)
Lines
Commercial and Residential Flood
Servicing
Yes — instant flood quotes via API
API
Neptune API (instant quote-bind)
Notes
Faster than NFIP; API-enabled instant flood bind; full policy servicing
Contact
neptuneflood.com/agents | agents@neptuneflood.com | (800) 447-5910
#43
Ategrity Specialty Insurance
MGA
E&S MGA
Lines
Binding Authority GL, Binding Authority Property + other LOBs
Servicing
Yes — binding authority programs
API
Herald API Index listed
Notes
Herald API Index; binding authority across GL and property; fast turnaround
Contact
ategrity.com | submissions@ategrity.com | (972) 332-5000
#44
BTIS (Broker Tech Inc)
MGA
E&S MGA / Wholesale Broker
Lines
GL, BOP, Property, Umbrella, Binding Authority LOBs
Servicing
Yes — admitted + E&S small commercial
API
Herald API Index listed; BTIS API
Notes
Herald API Index; programmatic binding for small commercial; fast placement
Contact
btisinc.com | api@btisinc.com | (800) 843-8550
#45
CFC Underwriting (London)
Lloyd's
MGA / Lloyd's Coverholder
Lines
Cyber, Management Liability, Tech E&O, Professional Liability, D&O, Property
Servicing
Yes — CFC small business cyber and tech
API
CFC API platform (CFC Decode)
Notes
UK-based; global reach via Lloyd's; CFC Decode platform for digital distribution and API bind
Contact
cfcunderwriting.com/brokers | api@cfcunderwriting.com | +44 (0)20 7220 8500
#46
Amlin (MS Amlin / Lloyd's)
Lloyd's
Lloyd's Syndicate / Carrier
Lines
Professional Liability (API-enabled)
Servicing
Professional services SMB
API
Herald API Index listed; Lloyd's API connectivity
Notes
Herald API Index: Professional Liability; Lloyd's market access via API
Contact
msamlin.com | submissions@msamlin.com | +44 (0)20 7746 1000
#47
Munich Re (Digital Partners)
Other
Global Reinsurer / Carrier
Lines
Cyber, Embedded Insurance programs, Property, Life
Servicing
Via Munich Re Digital Partners embedded platform
API
Munich Re Digital Partners API
Notes
Primary capacity provider for embedded programs; API connects platforms to Munich Re capacity
Contact
munichre.com/digitalpartners | digitalpartners@munichre.com | +49 89 3891-0
#48
AXA XL
Other
Global Carrier (Commercial/Specialty)
Lines
Cyber, D&O, Professional Liability, Property, Marine, Construction
Servicing
Mid-market; some small biz API via platforms
API
AXA XL Digital Connect API
Notes
Global capacity; API distribution for specialty and emerging technology lines
Contact
axaxl.com/agents | digitalconnect@axaxl.com | (212) 390-9000
#49
QBE North America
E&S
Global Admitted/E&S Carrier
Lines
BOP, GL, Professional Liability, Cyber, Property, WC
Servicing
Yes — QBE small commercial API
API
QBE Agency Portal API; QBE Connect
Notes
Global carrier with API-enabled SMB binding; QBE Connect platform
Contact
qbeinsurance.com/agents | qbeconnect@qbe.com | (212) 244-7000
#50
Aviva (UK/Canada/Global)
Admitted
Global Admitted Carrier
Lines
BOP, Property, Liability, Commercial Auto, Cyber (UK/Canada markets)
Servicing
Yes — Aviva for Business digital API
API
Aviva API portal (UK: aviva.co.uk/broker; Canada: avivacanada.com)
Notes
Strong UK/Canada small commercial digital; API-enabled instant SMB binding
Contact
aviva.com/agents | brokerapi@aviva.co.uk | +44 (0)800 158 2828
#51
Zurich (EMEA/Global APIs)
Admitted
Global Admitted Carrier
Lines
SME Package, GL, Property, Cyber, Commercial Auto (global)
Servicing
Yes — Zurich SME API in multiple markets
API
Zurich API Hub (global); ZConnect EMEA
Notes
ZConnect and API Hub for global embedded SMB; separate from US ZConnect platform
Contact
zurich.com/en/broker | apihub@zurich.com | +41 44 625 25 25
#52
Allianz Commercial
Other
Global Carrier (Commercial/Specialty)
Lines
Property, Marine, Liability, Cyber, Engineering, Aviation
Servicing
Mid-market+; API partnerships for distribution
API
Allianz B2B API platform (Allianz Direct Business)
Notes
AGCS platform for commercial API; growing embedded insurance programs globally
Contact
agcs.allianz.com/broker | b2b-api@allianz.com | +49 89 3800-0
#53
Generali Global Corporate & Commercial
Other
Global Carrier
Lines
Property, Liability, Cyber, Marine, Engineering, Employee Benefits
Servicing
SME via GCC digital platform
API
Generali Digital API (partner portal)
Notes
European SME digital API; growing global distribution partnerships
Contact
generaliglobalcc.com | digital.partners@generali.com | +39 040 671111
#54
Lemonade Business (Insurance)
Digital
Digital Carrier (Personal + Small Business)
Lines
BOP, GL, Commercial Property, Pet, Life
Servicing
YES — hyper-focus on small biz and consumers
API
Lemonade API (embedded partner program)
Notes
AI-first; instant bind; 2-minute claims; API for embedding in consumer/SMB platforms
Contact
lemonade.com/affiliates | api@lemonade.com | (844) 733-8666
#55
CoverForce (API aggregator + carriers)
Aggregator
Insurance API Aggregator (multi-carrier access)
Lines
BOP, GL, WC, Cyber, Inland Marine (Travelers, Liberty, Chubb, Great American, CNA, more)
Servicing
Yes — single API for multiple carriers including SMB servicing
API
CoverForce API (coverforce.com/developers)
Notes
Single API integrates Travelers, Liberty Mutual, Chubb, Great American, CNA and 10+ more; instant bind and COI; full small account servicing via carrier partners
Contact
coverforce.com | partnerships@coverforce.com | (646) 630-4200
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