What Verdica's 798 score means for Alliance CAS, LLC
Alliance CAS, LLC received a composite score of 798 out of 850 on Verdica's assessment framework, placing it in the "strong" band (740–799). This score reflects measurable data from regulatory filings and complaint records rather than marketing claims or internal audits. A score in this range indicates that the provider has demonstrated solid compliance and operational standards according to the metrics regulators actively monitor.
For a reader evaluating Alliance CAS, the 798 score signals that this provider meets or exceeds baseline expectations in the regulatory environment. It is not at the "excellent" threshold (800–850), which means there is documented room for improvement, but it is well above the "acceptable" minimum (670–739) and substantially higher than elevated-risk or high-risk bands. The score should be interpreted as a snapshot of measurable compliance posture, not a guarantee of future performance or a substitute for your own due diligence.
How the sub-scores break down
Financial Strength: 700 / 850
The financial strength sub-score of 700 places Alliance CAS in the lower half of the strong band. This dimension measures the provider's ability to meet policyholder obligations, typically derived from NAIC financial strength ratings and solvency assessments. A score of 700 indicates the company maintains adequate reserves and capital, but the score is noticeably lower than its complaints score. This gap suggests the provider may have faced scrutiny in financial audits or carries a risk profile that regulators monitor more closely than average. For business owners considering a long-term relationship, this is a dimension worth confirming directly with your broker or state insurance commissioner.
Complaints: 850 / 850
The complaints sub-score is at the maximum, indicating Alliance CAS has a complaint ratio at or below the national median for its peer group. This reflects data from NAIC complaint databases, which track the volume and severity of policyholder grievances filed with state regulators per dollar of premiums written. A perfect score here means the provider is not generating disproportionate complaint volume relative to its size. This is a clear strength and suggests reasonable customer service responsiveness and fewer licensing violations tied to consumer harm.
Regulatory Actions: 850 / 850
The regulatory actions sub-score is also at maximum, meaning Alliance CAS has not accumulated a notable history of enforcement actions, license suspensions, or material fines in available regulatory records. Regulators issue such actions when providers violate state insurance codes, mishandle claims, or fail licensing exams. A score of 850 indicates the provider has remained in good standing with state insurance departments.
What regulators track for insurance providers
The NAIC (National Association of Insurance Commissioners) maintains standardized complaint databases that state insurance regulators feed into. These track complaints per million dollars of premium written, categorizing issues by type: claims handling delays, underwriting disputes, rate disputes, cancellations, and licensing violations. A high complaint ratio can trigger market conduct examinations.
Financial strength ratings come from NAIC annual statements and independent rating agencies (A.M. Best, Moody's, S&P). Regulators examine capital adequacy, reserve sufficiency, and reinsurance arrangements. Low ratings or declining capital can trigger heightened supervision or receivership proceedings.
Regulatory actions—fines, consent orders, license conditions, or revocations—appear in state regulator databases. These are public records that reflect substantiated violations rather than complaints alone.
Bottom line
Alliance CAS scores in the strong range overall, driven by excellent complaints and regulatory action records, though its financial strength score trails slightly behind. Before engaging with this provider, confirm current financial ratings with your state insurance commissioner and request references from existing policyholders in your industry.