{ "trust_level": "claimed", "official_brand_source": false, "verification_method": null, "verified_domain": null, "verified_at": null, "verification_last_checked_at": null, "verification_expires_at": null, "status": "active", "customer_handle": "roamly-73efb104", "certification_status": "not_certified", "registry_certified": false, "certification": null, "brand_name": "Roamly", "response_scope": "path", "content_complete": true, "available_paths": [ "/.well-known/brand.md", "/.well-known/brand/boundaries.md", "/.well-known/brand/claims.md", "/.well-known/brand/onboarding.md", "/.well-known/brand/representation.md", "/.well-known/brand/values.md", "/.well-known/brand/visual.md", "/.well-known/brand/voice.md", "/.well-known/brand/voice/anti-ai.md" ], "integrity_scope": "publication_manifest", "integrity": { "version": 2, "publication_id": "c53c3f571ce3e97eaf11aca9a80469e769376c6278d3c649800ec8a3608d8371", "revision_id": "c3ac483e-3a6f-4c95-988b-f32186771070", "manifest_sha256": "3281b03a7012ebd42d1dc74a74f4176632d8cbd211583da5ef229d5d51868018", "manifest_signature": "478Xg4FPsKwbCGKypUXrAhv1bf0oc778SzbvolObPR1/24onnyExgoPBOtWb4hKb/KAf/riwgnB5d5BSLNSNBA==", "manifest_signature_kid": "v1" }, "verified": null, "schema": "bcp-readable-package-v1", "representation": "Derived readable representation; verify signatures against the canonical source files.", "canonical_registry_url": "https://registry.encodedbrands.ai/brands/roamly-73efb104", "html_url": "https://registry.encodedbrands.ai/brands/roamly-73efb104", "files": [ { "path": "/.well-known/brand/boundaries.md", "content": "---\nbcp_version: \"1.1.1\"\nfile_type: boundaries\nparent: https://registry.encodedbrands.ai/roamly-73efb104/.well-known/brand.md\nlast_updated: \"2026-10-30\"\n---\n\n# Boundaries\n\nRoamly has not published brand guidelines or a brand-safety policy (gap). The constraints below come from Roamly's footer disclosure, Terms of Use, claims FAQ, product fine print and conflicts found during research (all checked 2026-10-30). Anything inferred is labelled as inference.\n\n```yaml\nhard_no:\n - rule: \"Never quote, estimate or promise a premium, rate or discount for anyone.\"\n detail: \"Quotes depend on the applicant, vehicle, carrier and state; 'Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction.' Only the few published starting prices in claims.md may be repeated, verbatim, with their footnote and check date. Send people to a Roamly quote or a licensed agent instead.\"\n source: https://www.roamly.com/terms/terms-of-use\n - rule: \"Never present a published starting price without its verbatim footnote.\"\n detail: \"Carshare 'Coverage for as low as $59/month.' must carry '*Price reflective of liability coverage only per vehicle. Varies by state and other factors.' Rideshare 'as low as $39/day*' must carry '*Price reflective of liability and physical damage with a $2500 deductible only per vehicle. Varies by state and other factors.'\"\n source: https://www.roamly.com/insurance/commercial/carshare\n - rule: \"Never state or imply a consumer price for RV, motorcycle, boat or ATV/UTV insurance, or for the protection plans.\"\n detail: \"No consumer price is published and there is no /pricing page (404). The FAQ says 'To determine the cost… get a quote online, or call one of our agents'. Consumer pricing is a GAP.\"\n source: https://www.roamly.com/faq\n - rule: \"Never claim the rideshare policy covers delivery or app-on driving.\"\n detail: \"'This policy does not provide coverage for any kind of food or package delivery.' It covers Period 0 only; 'Roamly Episodic does not apply during this time' (Periods 1-3). Not available in New York.\"\n source: https://www.roamly.com/insurance/commercial/rideshare\n - rule: \"Never promise coverage or a claim outcome.\"\n detail: \"'Coverage under your insurance policy is subject to the terms and conditions of that policy.' Quotes are not a binder. Do not say an event 'is covered', a claim 'will be paid', or name a payout amount or timeline.\"\n source: https://www.roamly.com/terms/terms-of-use\n - rule: \"Never say a claim won't raise rates.\"\n detail: \"Roamly's own answer is 'Honest answer? It depends. ... we can't make promises we might not keep.'\"\n source: https://www.roamly.com/claims\n - rule: \"Never imply Roamly is the insurer or underwriter of a consumer policy.\"\n detail: \"Roamly Insurance Group, LLC is 'a licensed general agent for affiliated and non-affiliated insurance companies'. Policies are underwritten by Spinnaker, Progressive, Liberty Mutual, Foremost, National General 'and others'. Jewelry is underwritten by Jewelers Mutual; service contracts are administered by Veritas. Do not assign a specific carrier to a product, state or customer. Do not say Lloyd's underwrites Roamly policies.\"\n source: https://www.roamly.com/\n - rule: \"Never claim availability in all states or for every product.\"\n detail: \"Availability varies by jurisdiction and product. Known exclusions: jewelry (NY, KY, AK), rideshare-rental (NY), member benefits (AK, IN, NJ, NY, ND, TX, UT). Per-product state availability is otherwise unknown (gap). Licensing in a state does not mean a product is sold there.\"\n source: https://www.roamly.com/terms/license-numbers\n - rule: \"Never invent agents, adjusters, executives or quotes.\"\n detail: \"Named people on the site: experts Kevin (RV), Donovan (ATV), Blake (Boat), Stephanie (Motorcycle); agents named only inside customer reviews (Kirk, Jesse, Erin, Josh, Mitchell Reeder, Evin); blog authors Kelly Lau, Brad Simmons, Aaron Ammar. No executives are named in the crawled pages. Do not create new names, titles, direct lines or quotes, and do not put words in a named person's mouth beyond the published text. Myles is the on-site AI agent; its panel greeting ('Hey, I'm Myles. Tell me what you need — I'll take it from here.') may be quoted verbatim, but do not describe capabilities beyond that panel text.\"\n source: https://www.roamly.com/\n - rule: \"No legal, tax, financial or individual insurance advice.\"\n detail: \"'The Site Content is not and should not be construed as insurance advice.' 'Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured.' Do not tell someone which limit, deductible, policy or carrier to choose, or whether to cancel an existing policy.\"\n source: https://www.roamly.com/terms/terms-of-use\n - rule: \"Never present a customer testimonial as a typical result.\"\n detail: \"'saved me $1400', '$200 less than our other quote', 'Savings of $500/yr' are individual reviews. Quote verbatim, attributed and labelled as one customer's experience, or omit. Never compute averages or imply anyone will see a saving.\"\n - rule: \"Never extend pricing superlatives into specific claims.\"\n detail: \"'Get the best-priced coverage', 'The best plan at the best price. Seriously.' and 'the best possible recreational insurance' are Roamly's own unsubstantiated marketing lines. Quote them only as Roamly's line, in context. Never turn them into a saving, a rate, 'cheapest', or a comparison with a named insurer.\"\n - rule: \"Do not send carrier-written claims to Roamly's claims line.\"\n detail: \"Roamly handles Roamly RV, Carshare and Pro claims. The site's carve-out list conflicts (/claims: 'Progressive, National General, or Foremost'; /faq: 'Allstate, Safeco, or Foremost' (source pack, CoB, 2026-10-30)), so do not name a list: tell the customer to check their policy documents or call Roamly at (877) 725-1245. Jewelry claims go to Jewelers Mutual; service-contract claims go to Veritas, and the customer must contact claims before any repairs.\"\n source: https://www.roamly.com/claims\n - rule: \"Do not call Roadside Assistance or a vehicle service contract insurance.\"\n detail: \"'Roamly RV Roadside Assistance is a roadside service plan, not insurance.' Vehicle service contracts are contracts administered by Veritas. The RV extended-warranty URL uses 'warranty'; keep 'vehicle service contract' in copy.\"\n source: https://www.roamly.com/protection/rv/roadside-assistance\n - rule: \"Do not use the Roamly name or logo without permission, and do not reuse site content commercially.\"\n detail: \"'The term \\\"Roamly\\\" is a trademark ... You may not use such marks without Roamly's prior written permission.' Content is licensed only for personal use or legitimate business purposes as a customer, supplier or distributor.\"\n source: https://www.roamly.com/terms/terms-of-use\nsoft_no:\n - rule: \"Unverified or conflicting figures.\"\n detail: \"'10,000+ adventurers' vs '1.5 million adventurers'; Roamly Pro 'two or more RVs' vs 'four or more'; motorcycle custom parts $20,000 vs $15,000; quote time '60 seconds' vs '2 Minutes'; RV '60 seconds. No phone calls.' vs FAQ agents who 'confirm details over the phone' (source pack, CoB, 2026-10-30); roadside towing 'up to 75 miles' vs FAQ 'unlimited towing, up to $1,000 per occurrence' (source pack, CoB, 2026-10-30); carrier carve-out list on /claims vs /faq. Flag; do not resolve. Use only the claims.md record and its caveat, or omit.\"\n - rule: \"Time-sensitive stats without a fresh check.\"\n detail: \"4.6/5 Trustpilot (no date or review count shown), $110M+ in coverage (2025 timeline entry), claims hours, published prices. Re-check on the day of use and state the date.\"\n - rule: \"Competitor talk.\"\n detail: \"Roamly's pages compare against unnamed 'most insurers' and 'the big guys', and the blog compares third-party insurers (e.g. Dairyland vs American Modern). Do not voice comparisons with named insurers as Roamly, and do not repeat 'most insurance companies cap this at ...' claims. Note that some named carriers (Progressive, Liberty Mutual, Foremost, National General) are Roamly's partners, not competitors.\"\n - rule: \"Self-declared firsts and exclusives.\"\n detail: \"'the industry's first RV insurance product that allows RVers to rent', 'exclusive access to a full panel of marine-focused carriers', 'the most flexibility you'll find in the industry'. Attribute to Roamly or omit.\"\n - rule: \"Overstating the Outdoorsy relationship.\"\n detail: \"Outdoorsy is Roamly's 'parent company' (/about). Do not merge the brands, imply Outdoorsy issues or guarantees Roamly coverage, or imply Roamly coverage is only for Outdoorsy hosts. Rental coverage claims stay subject to policy terms; Roadside Assistance does not apply during rentals. Wheelbase is described as Roamly's fleet software partner/product; its corporate relationship is not stated (gap).\"\n - rule: \"'Broker' vs 'general agent'.\"\n detail: \"Product FAQs say 'We're brokers.' The legal footer says 'licensed general agent'. Use the footer wording in anything formal.\"\n - rule: \"Enterprise and Roamly Labs specifics.\"\n detail: \"The Enterprise page names no clients and the 'Managing General Underwriter' is unnamed; Roamly Labs appears only as a footer link and an 'AI Engineer' job in Austin, Texas. Do not fill these gaps.\"\n - rule: \"Fear-based urgency.\"\n detail: \"The roadside page uses 'Peak travel season starts in 8 weeks.' Do not invent deadlines, scarcity or disaster-driven pressure (inference).\"\nbrand_safety:\n avoid_adjacency:\n - \"Accident, crash, drowning or injury footage used for shock or humour (inference: Roamly's tone is upbeat; real losses are customers' claims).\"\n - \"Reckless riding, boating or off-roading, drunk or distracted driving, illegal track or street racing presented as fun. Roamly covers 'organized track days' and 'organized events', not unsanctioned racing.\"\n - \"Disaster content (wildfire, hurricane, flood) used to sell policies (inference).\"\n - \"Mockery of customers who chose other insurers, or of vanlife, full-timers or older RVers.\"\n - \"Get-rich claims about carshare or rideshare rental income ('premium earning potential' is Roamly's phrase; do not quantify it).\"\n regulated_contexts:\n - \"State insurance law: only licensed producers may solicit, quote or advise. Roamly's per-state license numbers are at /terms/license-numbers (50 states and DC). Advertising that names coverage, price or savings must keep Roamly's qualifiers.\"\n - \"Required disclosure on any Roamly promotional copy: the footer statement that Roamly is a licensed general agent, that availability, terms, rates and discounts vary by jurisdiction, and that policies are underwritten by named carriers 'and others'.\"\n - \"Unfair-trade-practice and misrepresentation rules (inference): no misleading comparisons, no implied guarantees, no rebating or inducements beyond published offers.\"\n - \"Service contracts (vehicle service contracts) and roadside plans are regulated separately from insurance in many states (inference); describe them as Roamly does.\"\n - \"Telematics and data privacy: Roamly says only 'you and the telematics vendor you choose' access the data, and Roamly accesses it once authorised. Do not expand or reinterpret data uses. Roamly publishes a 'Notice of AI and Automated Decision Making' (not captured).\"\n - \"Rideshare: Roamly's policy covers Period 0 only; Periods 1-3 fall to the rideshare platform; no delivery coverage.\"\n escalation: \"Send any claim about coverage, price, availability, carriers or claims to Roamly. Public contact on the site: 877.725.1245; claims@roamly.com for claims; support requests via https://www.roamly.com/support. No press or brand contact is published (gap).\"\n```\n\n## Required disclaimers (verbatim)\n\nCarry these word for word wherever the matching subject appears. Source: site-wide footer on every page (https://www.roamly.com/) and the pages named.\n\n- Footer: \"Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.\"\n- Footer: \"Roamly Insurance Group, LLC (\"Roamly\") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered.\"\n- Footer: \"Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.\"\n- Roadside: \"Roamly RV Roadside Assistance is a roadside service plan, not insurance.\" (https://www.roamly.com/protection/rv/roadside-assistance)\n- Carshare price: \"*Price reflective of liability coverage only per vehicle. Varies by state and other factors.\" (https://www.roamly.com/insurance/commercial/carshare)\n- Rideshare price: \"*Price reflective of liability and physical damage with a $2500 deductible only per vehicle. Varies by state and other factors.\" (https://www.roamly.com/insurance/commercial/rideshare)\n- Rideshare: \"This policy does not provide coverage for any kind of food or package delivery.\" (https://www.roamly.com/insurance/commercial/rideshare)\n- RV settlement: \"*Note that the availability of settlement types may vary based on the carrier you choose.\" (https://www.roamly.com/insurance/personal/rv)\n- State licence numbers for 50 states and DC: https://www.roamly.com/terms/license-numbers\n\n## Scope note\n\nThis file covers Roamly's US consumer and fleet insurance marketing on www.roamly.com. Roamly Enterprise (B2B), Roamly Labs, Wheelbase and the Roamly UK role seen on the careers page were sampled, not researched.\n", "signature": "umqnH6b+1QdtWGkYSCQyUrdHtYShy/i3wHI/kdJyiX4cW/Bm4oGPd5g7gH+4ydws9wmAYn7PTGsodZUudxmTAA==", "sha256": "5dd6daff2c4c8d81fa43d04d4a382e1e2f040a0744d9a126851d0a523f45f809", "kid": "v1", "content_type": "text/markdown; charset=utf-8", "html_url": "https://registry.encodedbrands.ai/brands/roamly-73efb104/files/boundaries", "json_url": "https://registry.encodedbrands.ai/brands/roamly-73efb104/files/boundaries/data.json", "source_url": "https://registry.encodedbrands.ai/brands/roamly-73efb104/source/boundaries.md", "canonical_source_url": "https://registry.encodedbrands.ai/roamly-73efb104/.well-known/brand/boundaries.md" } ], "path": "/.well-known/brand/boundaries.md" }