Independent risk intelligence for business owners
Know where you stand.
Before it costs you everything.
CoverageShield gives you the risk intelligence that Fortune 500 companies have, built for the businesses that actually need it. Upload a policy. See your blind spots. Take control.
No credit card. No login required. See your results in 3 minutes.
Protection Index
The cost of not knowing
Most business owners think they are covered.
The data says otherwise. These are industry averages, not worst cases.
of SMBs are underinsured
Most business owners think they are covered. The data says otherwise.
Source: Hiscox 2025 Report
cannot describe their own GL policy
If you cannot describe it, you cannot verify it protects you.
Source: Hiscox 2025 Report
average denied claim cost
One denied claim. One missing endorsement. That is all it takes.
Source: Insurance Information Institute 2024
These are not worst case scenarios. These are industry averages. The question is not whether gaps exist. It is whether you know where yours are.
The product
Your Risk Command Center
Every policy, contract, claim, and vendor in one view. Updated by AI agents that work while you sleep.
PROTECTED
12 policies, 0 critical gaps
NEEDS ATTENTION
6 of 8 contracts compliant, 2 need review
Activate to see Claims Intelligence
Activate to see Vendor Risk
Your Activity
INFORMED
50+ actions logged, full threat assessment visibility achieved.
103 pts to ENGAGED
STREAK
12d
This is what risk intelligence looks like for a general contractor with 12 policies and 8 active contracts. Yours starts building the moment you upload your first policy.
How it works
Three steps. Then the platform does the rest.
Upload your policies
PDF or photo. Our AI reads every page and extracts your coverage details in under 60 seconds. No data entry.
See your blind spots
Gap analysis runs automatically against 2,200+ industry requirements. You see exactly where you are exposed and what it could cost.
Take control
Your Command Center updates as you add policies, scan contracts, and track vendors. AI agents monitor your risk 24/7 and alert you when something needs attention.
Most business owners spend less than 30 minutes a month in CoverageShield. The platform does the rest.
Compare
How does CoverageShield stack up?
Every approach has trade-offs. Here is what you get with each one.
| Capability | CoverageShield | Annual Broker Review | ChatGPT | Spreadsheet | Risk Manager |
|---|---|---|---|---|---|
| Monitors all risk domains in one dashboard (coverage, contracts, claims, vendors, compliance) | |||||
| Scans contracts for insurance and liability requirements | Partial | ||||
| Tracks vendor and subcontractor compliance (COIs) | Partial | ||||
| Calculates Total Cost of Risk with industry benchmarks | Partial | ||||
| Identifies coverage gaps with dollar exposure estimates | Partial | ||||
| Provides a composite risk score across all domains | |||||
| AI agents monitor and alert on risk changes 24/7 | |||||
| 100% independent, no carrier or broker revenue | N/A | N/A | Partial | ||
| Monthly cost | $49 | $0* | $0-20 | $0 | $8-12K |
* included with brokerage relationship
CoverageShield gives you Fortune 500 risk visibility at a fraction of the cost. No full-time hire required.
I ran a logistics company. An ammonia leak triggered a claim that was denied because of a missing pollution endorsement. The company did not survive.
Don Janacek, Founder and CEO. Read the full story
9
policies analyzed per user on average
2,200+
industry-specific coverage requirements
50-state
regulatory intelligence updated weekly
Independent. No carrier or broker revenue. Ever.
Brokers place coverage. Carriers underwrite it. CoverageShield verifies it. We do not place coverage, earn commissions, or take carrier revenue. Our only incentive is making sure your coverage is complete and compliant.
Industry-specific intelligence
We understand your business.
2,200+ coverage requirements across every vertical. Pick yours.
Your sub's lapsed coverage is your liability.
Common coverage gaps
Sample from the Command Center
Subs Tracked
12
2 COIs expiring
Pricing
Start free. Upgrade when you are ready.
Every plan starts with the free tier. No credit card required.
Free
$0/forever
- Up to 3 policies
- Risk Score with breakdown
- Plain-English policy cheatsheets
- Expiration alerts
- Risk Manager Updates
- 3 COI tracking slots
Shield
$49/month
- Everything in Free
- Unlimited policies and scans
- Full gap analysis with cost data
- Contract compliance scanning
- Broker letter generation
- AI Insurance Advisor
- Over-insurance detection
- Claims Center
- Unlimited COI tracking
Shield Pro
$99/month
5 users included
- Everything in Shield, plus:
- 5 users included
- Subcontractor compliance tracking (20 subs)
- Field compliance checker (mobile COI verification)
- Premium analytics (renewal kits, trend data, benchmarking)
- Custom branded exports (your logo on reports)
- Priority support (direct email access)
Founding Member
$29/month
Locked in forever
- Everything in Shield, locked at $29/mo forever
- Price never increases, even as we add features
- Limited to the first 50 users
- Founding Member badge on your profile
Every plan starts with the free tier. No credit card required. Upgrade when you are ready.
Common questions
Answers before you ask.
I already have a broker.
Good. Keep them. CoverageShield does not replace your broker. It verifies that your coverage actually matches your contracts and your risk profile. Think of it as a second set of eyes.
Is this just ChatGPT for insurance?
No. Generic AI does not know your policies, your contracts, or your industry requirements. CoverageShield maintains your complete risk profile and monitors it against 2,200+ requirements specific to your business type.
Is my data secure?
Your policy data is encrypted at rest and in transit. We never share your information with carriers, brokers, or anyone else. CoverageShield is 100% independent. We work for you.
You thought you were covered. Are you sure?
Upload one policy. In 3 minutes you will know more about your coverage than most business owners learn in a year.
No credit card. No login. No commitment.