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Legal

Licensing & Compliance.

Who is actually licensed to sell you insurance here — because that question should never be hard to answer.

The producers

Insurance on Pearl is sold by licensed insurance producers: CAA Financial LLC (the house desk) and independent and captive agencies verified on the marketplace. Every selling agency's National Producer Number (NPN) is verified before activation, along with active errors & omissions coverage; lapses re-block listings automatically.

State availability

Quotes are offered only in states where a routed seller holds an active license and the rating carrier has filed rates. The current list lives on the availability page and in your quote flow — if your state isn't live, we won't pretend otherwise.

Verify us

Any producer's license status can be verified through your state insurance department or the NAIC's producer lookup. The seller on your order is always named in your account with their storefront one click away. Ask any seller for their NPN; on Pearl they're required to provide it.