I Lost My Company Because of One Missing Endorsement.
135 employees. A company I built over 30 years. Gone. Because a pollution endorsement fell through the cracks between renewals. I built CoverageShield to fill that gap. Dedicated, year-round coverage verification for every business owner.
I built a logistics company over 30 years. 135 employees. We handled temperature-controlled storage with large ammonia refrigeration systems.
One day, we had an ammonia leak. We did everything right. Called the authorities, evacuated, managed the response. Then we filed the claim.
Our insurance carrier denied it. The reason? A missing pollution endorsement on our policy. It had fallen through the cracks. Our broker handled hundreds of accounts and the annual review hadn't caught it. We never knew it was missing.
That single gap brought down the entire company. 135 people lost their jobs. Everything I'd built over 30 years, gone.
After I lost the company, I started talking to other business owners. What I heard was familiar. Most of them had no idea what was actually in their policies. They relied on an annual review and assumed they were covered in between. I had done the same thing.
That's why I built CoverageShield. Brokers place coverage. Carriers underwrite it. But nobody was dedicated to helping the business owner verify it year-round. CoverageShield fills that gap by analyzing your actual policies against your actual contracts and telling you exactly where the gaps are, before a claim finds them for you.
Don Janacek
Founder & CEO
30-year operating executive. Built and led a logistics company with 135 employees. Now building the insurance analysis platform he wished existed.
Connect on LinkedInOur Independence Pledge
CoverageShield is 100% independent. We don't place coverage, earn commissions, or take carrier revenue. This means our only incentive is making sure your coverage is complete and compliant. Brokers place coverage. Carriers underwrite it. We verify it. All three roles matter.
Our revenue comes entirely from subscriptions paid by business owners. That's the structural independence that makes our analysis trustworthy.
What Makes Us Different
Built by Someone Who's Been There
Not a Silicon Valley startup guessing at insurance problems. Built by a business owner who lost everything to a coverage gap.
Industry-Specific Intelligence
Our proprietary Industry Coverage Matrix maps required coverages, common gaps, and critical exclusions for every major business vertical.
Policies vs. Contracts
The only platform that lets you upload a contract and instantly see whether your existing coverage meets the requirements.
100% Independent
We don't place coverage, earn commissions, or take carrier revenue. Our only incentive is making sure your coverage is complete and compliant.
Every business owner deserves to know, not hope, not assume, but KNOW, that their insurance actually protects them.
Today, CoverageShield serves contractors, restaurants, trucking companies, manufacturers, and logistics operations. Tomorrow, we'll be the standard for every SMB in America.
Sign up free. Upload your first contract. See what your broker might have missed.
Questions? Email Don directly at don@coverageshield.ai