Accountability
Holding Unlicensed Insurance Operators Accountable
Protecting consumers and honest businesses from illegal insurance activity.
Years of Experience
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Scam Alert Service
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Happy Clients
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About Us
Intro / Mission Statement
Welcome to the Department of Insurance Watchdog, an independent compliance and fraud exposure platform focused on protecting consumers and honest businesses from illegal insurance activity
Exposing Unlawful Operators
Identify companies selling insurance without proper legal approval.
Focus on eCommerce Growth
Publish reports exposing risks in fast-growing eCommerce markets.
What we do
What We Do
Shipping Protection
Expose fraud in eCommerce shipping protection schemes
Monitor Compliance
Monitor compliance with state and federal insurance regulations
Empower Consumers
Empower whistleblowers, merchants, and consumers
Share Findings
Share findings with regulators, journalists, and class-action
Why It Matters
Why It Matters
Insurance is a heavily regulated product. If a company promises “If your package is lost, we’ll refund you” and charges a fee for that promise, that constitutes the sale of insurance. Unless that company is licensed as an insurance provider or registered surplus lines broker in each jurisdiction it operates, it’s breaking the law — often without consumer awareness.
What You’ll Find Here
What You’ll Find Here
Fraud Reports
Detailed reports on companies illegally selling insurance
Legal Citations
Professional vehicle repair services Are specialized services provided
Evidence Report
Screenshots, consumer reviews, and public data
Regulator Links
Screenshots, consumer reviews, and public data
Take Action
Report scams & protect yourself
Step-by-Step Guide
Step-by-Step Guide
NAIC Consumer Information Source (CIS)
https://cis.naic.org/
Enter company name or NAIC number to check licensing status, authorized states, and company type.
Enter company name or NAIC number to check licensing status, authorized states, and company type.
Check Your State Department of Insurance
Use state-specific license lookups:
California DOI
Texas DOI
Florida OIR
California DOI
Texas DOI
Florida OIR
