1. Official company sources
Carrier and MGA websites, program pages, appetite guides, applications, territory maps, and official submission instructions are the preferred evidence.
How Carrierlens builds a market profile agents can verify.
Carrierlens is a research and workflow tool, not an underwriting quote. We organize evidence so agents can identify likely markets and confirm current requirements before submitting.
2. Verified market representatives
Approved carrier, MGA, wholesaler, and underwriting representatives can claim assigned listings, confirm accuracy, update appetite, and maintain contacts and files.
3. Administrator-provided evidence
Current brochures, emails, underwriting bulletins, and program documents supplied to Carrierlens are reviewed before they become live market data.
4. Visible freshness
A verification date is separate from an ordinary edit date. It indicates when the appetite was deliberately checked, not merely when a typo changed.
Company-first grouping
One recognizable carrier, MGA, or wholesaler is the canonical public identity. Real program rows remain underneath it so their different states, classes, limits, files, and contacts are preserved. Legacy program URLs redirect to the canonical company profile.
Search-page quality
Category and state pages are indexable only when they contain enough real choices to help an agent. Unsupported or thin combinations can still be browsed from the app, but are not promoted to search engines.
Important limitation
Availability, appointment requirements, underwriting decisions, rates, and forms can change without notice. Confirm the current position with the market and its latest source documents before relying on a listing.