Where can I go to officially verify if an insurance agent or company is licensed to operate in California?

You can officially verify the license status of any insurance agent or company through the online portal provided by the California Department of Insurance (CDI). This is the state's official record keeper for all insurance-related licenses. Here is how to check a license: Step 1: Gather Necessary Information Before you begin, collect the full legal name of the insurance agent or company you want to verify. If you have the agent's California insurance license number, that will provide the most accurate search results. Step 2: Go to the CDI Website Navigate to the California Department of Insurance website. The most direct way to find the tool is to search for "CDI Check a License" in your web browser or go to the main site at insurance.ca.gov and find the license verification link. Step 3: Search for an Agent or Broker Select the option to check an individual agent or broker. Enter the person's name or license number into the search fields. Using the license number is best to avoid confusion with agents who have similar names. Step 4: Search for an Insurance Company To check an insurance company, use the company search tool. You will be looking for its "Certificate of Authority," which is the official license for a company to sell insurance in California, as required by law. Step 5: Review the License Status The search results will show the license status. Look for a status of "Active." The record will also display any public enforcement actions or disciplinary history, which you should review carefully. Important Details and Nuances: An individual agent's license is separate from the insurance company's Certificate of Authority. You should verify both. Be sure to use the exact spelling of the name for the most accurate results. The CDI's online database is the official public record and is updated regularly. Warnings and Limitations: Never purchase insurance from an agent or company that you cannot verify as actively licensed in California. An active license confirms legal authority to operate but does not guarantee customer service quality or financial stability. This is general information and does not constitute legal advice. For complex situations, such as a dispute with a potentially unlicensed provider, you should consult with a qualified California attorney.