Better coverage at lower premiums

Insurance brokerage built for modern businesses

We use technology to analyze your risk profile, find the right coverage, and negotiate better pricing. A modern alternative to traditional insurance brokers.

Get a Quote

Trusted by 60+ carrier partners

Risk specialists powered with the best technology

Get a quote

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Policies / Risk Assessment

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Risk Assessment

Live

Last updated: 2m ago

Overall Score

Coverage Gaps

Policies

Risk Exposure by Category

Property Damage

High82%

Liability Exposure

Medium64%

Cyber Threat

Low45%

Business Interruption

Medium71%

Recent Activity

Policy review completed

2h ago

New gap identified

4h ago

Coverage updated

1d ago

Market Comparison

40+ carriers

Sorted by match

#CarrierPremiumMatch

Hartford FinancialBEST

$4,200

94%

Travelers Group

$4,850

87%

Chubb Limited

$5,100

82%

Liberty Mutual

$5,400

76%

Nationwide

$5,650

73%

CNA Financial

$5,900

70%

Zurich Insurance

$6,100

68%

Berkshire Hathaway

$6,350

65%

Progressive Commercial

$6,500

63%

Markel

$6,800

60%

Hiscox

$7,100

58%

USLI

$7,400

55%

AmTrust Financial

$7,600

53%

Selective Insurance

$7,900

50%

Hanover Insurance

$8,100

48%

Auto-Owners

$8,400

46%

Great American

$8,600

44%

Employers Holdings

$8,900

42%

Frankenmuth

$9,100

40%

Guard Insurance

$9,400

38%

Avg. savings vs. your current policy

23%

Quotes Received

of 40+ markets

Best Premium

$4,200

/year

Coverage Match

94%

top recommendation

Quote Status

Received

Pending

Declined

Claims Tracker

In Progress

CW-2026-0847

Claim #

CW-2026-0847

Resolution

< 48 hours

Priority

Medium

Claim Timeline

Claim submitted

Commercial property damage

Today

Adjuster assigned

Sarah M. reviewing case

Day 1

Documentation review

NOW

Pending your upload

Day 2

Resolution & payout

Estimated payout: $24,500

Day 3-5

Assigned Team

Sarah M.

Adjuster

Mike T.

Advocate

Documents

Claim form.pdf

245 KB

Photos.zip

1.2 MB

Police report.pdf

89 KB

Quick Actions

Upload Document

Message Adjuster

Risk dashboard: every policy is scored for gaps and exposure, so you can see where you are under- or over-covered before renewal.

Risk We Cover

Comprehensive insurance solutions for complex business risks.

Get a quote

General Liability

Covers third-party injury, property damage, and advertising claims

Business Owners Policy

Property and liability bundled into one cost-effective policy

Product Liability

Defense and damages for product claims, lawsuits, and recalls

Professional Liability

Errors and omissions protection for advice and professional services

Commercial Auto

Liability and physical damage for owned and hired vehicles

Umbrella Insurance

Extra limits that sit above your primary liability policies

Workers Compensation

Medical costs and lost wages for work-related injuries

Cyber Liability

Breach response, data restoration, and cyber attack protection

Commercial Property

Buildings, equipment, and inventory protected against loss

See all coverages we place

Businesses We Cover

Tailored insurance solutions across diverse industries

Get a quote

Home Owners' Association

Insurance for homeowners associations of every kind: condos, townhomes, single-family, co-ops, and planned communities. Master policies, D&O, fidelity bonds, and liability, shopped across 60+ carriers.

E-Commerce & Consumer Brands

Insurance for ecommerce sellers and consumer brands. Product liability, recall coverage, and marketplace compliance for Amazon, Shopify, DTC, and CPG brands.

Trucking

Comprehensive coverage for commercial trucking operations including auto liability, cargo, and physical damage.

Contractors

Protect your construction and contracting business with general liability, workers comp, and builders risk coverage.

Garage & Auto Dealerships

Garage liability, garagekeepers, and dealer open lot coverage for repair shops, dealerships, body shops, and service centers.

Property Management

GL, E&O, fidelity bonds, cyber liability, and workers comp for property management companies. 60+ carriers, one broker.

Restaurants

Insurance for restaurants and food-service operators. Liquor liability, property, workers comp, and business interruption shopped across 60+ carriers for a flat fee.

Grocery Stores

Insurance for grocery stores and food retailers. Food spoilage, equipment breakdown, premises liability, and workers comp shopped across 60+ carriers for a flat fee.

Home Owners' Association

E-Commerce & Consumer Brands

Insurance for ecommerce sellers and consumer brands. Product liability, recall coverage, and marketplace compliance for Amazon, Shopify, DTC, and CPG brands.

Trucking

Comprehensive coverage for commercial trucking operations including auto liability, cargo, and physical damage.

Contractors

Protect your construction and contracting business with general liability, workers comp, and builders risk coverage.

Garage & Auto Dealerships

Garage liability, garagekeepers, and dealer open lot coverage for repair shops, dealerships, body shops, and service centers.

Property Management

GL, E&O, fidelity bonds, cyber liability, and workers comp for property management companies. 60+ carriers, one broker.

Restaurants

Insurance for restaurants and food-service operators. Liquor liability, property, workers comp, and business interruption shopped across 60+ carriers for a flat fee.

Grocery Stores

Insurance for grocery stores and food retailers. Food spoilage, equipment breakdown, premises liability, and workers comp shopped across 60+ carriers for a flat fee.

See all industries we cover

Ready for better coverage?

Fill out the form and a Coverwatch advisor will get back to you within the next hour.

(415) 738-7727 Or book a call instead

Your quote

01 / 02

AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.

Better coverage at lower premiums

Insurance brokerage built for modern businesses

We use technology to analyze your risk profile, find the right coverage, and negotiate better pricing. A modern alternative to traditional insurance brokers.

Get a Quote

Trusted by 60+ carrier partners

Risk specialists powered with the best technology

Get a quote

app.coverwatch.com/risk-assessment

Policies / Risk Assessment

Search...

Risk Assessment

Live

Last updated: 2m ago

Overall Score

Coverage Gaps

Policies

Risk Exposure by Category

Property Damage

High82%

Liability Exposure

Medium64%

Cyber Threat

Low45%

Business Interruption

Medium71%

Recent Activity

Policy review completed

2h ago

New gap identified

4h ago

Coverage updated

1d ago

Market Comparison

40+ carriers

Sorted by match

#CarrierPremiumMatch

Hartford FinancialBEST

$4,200

94%

Travelers Group

$4,850

87%

Chubb Limited

$5,100

82%

Liberty Mutual

$5,400

76%

Nationwide

$5,650

73%

CNA Financial

$5,900

70%

Zurich Insurance

$6,100

68%

Berkshire Hathaway

$6,350

65%

Progressive Commercial

$6,500

63%

Markel

$6,800

60%

Hiscox

$7,100

58%

USLI

$7,400

55%

AmTrust Financial

$7,600

53%

Selective Insurance

$7,900

50%

Hanover Insurance

$8,100

48%

Auto-Owners

$8,400

46%

Great American

$8,600

44%

Employers Holdings

$8,900

42%

Frankenmuth

$9,100

40%

Guard Insurance

$9,400

38%

Avg. savings vs. your current policy

23%

Quotes Received

of 40+ markets

Best Premium

$4,200

/year

Coverage Match

94%

top recommendation

Quote Status

Received

Pending

Declined

Claims Tracker

In Progress

CW-2026-0847

Claim #

CW-2026-0847

Resolution

< 48 hours

Priority

Medium

Claim Timeline

Claim submitted

Commercial property damage

Today

Adjuster assigned

Sarah M. reviewing case

Day 1

Documentation review

NOW

Pending your upload

Day 2

Resolution & payout

Estimated payout: $24,500

Day 3-5

Assigned Team

Sarah M.

Adjuster

Mike T.

Advocate

Documents

Claim form.pdf

245 KB

Photos.zip

1.2 MB

Police report.pdf

89 KB

Quick Actions

Upload Document

Message Adjuster

Risk dashboard: every policy is scored for gaps and exposure, so you can see where you are under- or over-covered before renewal.

Risk We Cover

Comprehensive insurance solutions for complex business risks.

Get a quote

General Liability

Covers third-party injury, property damage, and advertising claims

Business Owners Policy

Property and liability bundled into one cost-effective policy

Product Liability

Defense and damages for product claims, lawsuits, and recalls

Professional Liability

Errors and omissions protection for advice and professional services

Commercial Auto

Liability and physical damage for owned and hired vehicles

Umbrella Insurance

Extra limits that sit above your primary liability policies

Workers Compensation

Medical costs and lost wages for work-related injuries

Cyber Liability

Breach response, data restoration, and cyber attack protection

Commercial Property

Buildings, equipment, and inventory protected against loss

See all coverages we place

Businesses We Cover

Tailored insurance solutions across diverse industries

Get a quote

Home Owners' Association

E-Commerce & Consumer Brands

Insurance for ecommerce sellers and consumer brands. Product liability, recall coverage, and marketplace compliance for Amazon, Shopify, DTC, and CPG brands.

Trucking

Comprehensive coverage for commercial trucking operations including auto liability, cargo, and physical damage.

Contractors

Protect your construction and contracting business with general liability, workers comp, and builders risk coverage.

Garage & Auto Dealerships

Garage liability, garagekeepers, and dealer open lot coverage for repair shops, dealerships, body shops, and service centers.

Property Management

GL, E&O, fidelity bonds, cyber liability, and workers comp for property management companies. 60+ carriers, one broker.

Restaurants

Insurance for restaurants and food-service operators. Liquor liability, property, workers comp, and business interruption shopped across 60+ carriers for a flat fee.

Grocery Stores

Insurance for grocery stores and food retailers. Food spoilage, equipment breakdown, premises liability, and workers comp shopped across 60+ carriers for a flat fee.

Home Owners' Association

E-Commerce & Consumer Brands

Insurance for ecommerce sellers and consumer brands. Product liability, recall coverage, and marketplace compliance for Amazon, Shopify, DTC, and CPG brands.

Trucking

Comprehensive coverage for commercial trucking operations including auto liability, cargo, and physical damage.

Contractors

Protect your construction and contracting business with general liability, workers comp, and builders risk coverage.

Garage & Auto Dealerships

Garage liability, garagekeepers, and dealer open lot coverage for repair shops, dealerships, body shops, and service centers.

Property Management

GL, E&O, fidelity bonds, cyber liability, and workers comp for property management companies. 60+ carriers, one broker.

Restaurants

Insurance for restaurants and food-service operators. Liquor liability, property, workers comp, and business interruption shopped across 60+ carriers for a flat fee.

Grocery Stores

Insurance for grocery stores and food retailers. Food spoilage, equipment breakdown, premises liability, and workers comp shopped across 60+ carriers for a flat fee.

See all industries we cover

Ready for better coverage?

Fill out the form and a Coverwatch advisor will get back to you within the next hour.

(415) 738-7727 Or book a call instead

Your quote

01 / 02

Insurance brokerage built for modern businesses

Risk specialists powered with the best technology

Risk Assessment

Understand

Execute

Support

Risk We Cover

General Liability

Business Owners Policy

Product Liability

Professional Liability

Commercial Auto

Umbrella Insurance

Workers Compensation

Cyber Liability

Commercial Property

Businesses We Cover

Home Owners' Association

E-Commerce & Consumer Brands

Trucking

Contractors

Garage & Auto Dealerships

Property Management

Restaurants

Grocery Stores

Home Owners' Association

E-Commerce & Consumer Brands

Trucking

Contractors

Garage & Auto Dealerships

Property Management

Restaurants

Grocery Stores

Ready for better coverage?

Get your free quote

Insurance brokerage built for modern businesses

Risk specialists powered with the best technology

Risk Assessment

Understand

Execute

Support

Risk We Cover

General Liability

Business Owners Policy

Product Liability

Professional Liability

Commercial Auto

Umbrella Insurance

Workers Compensation

Cyber Liability

Commercial Property

Businesses We Cover

Home Owners' Association

E-Commerce & Consumer Brands

Trucking

Contractors

Garage & Auto Dealerships

Property Management

Restaurants

Grocery Stores

Home Owners' Association

E-Commerce & Consumer Brands

Trucking

Contractors

Garage & Auto Dealerships

Property Management

Restaurants

Grocery Stores

Ready for better coverage?

Get your free quote