Frequently Asked Questions

No. We verify coverage — your broker places it. Think of us as an independent second opinion that checks whether what your broker placed actually matches your contracts and industry requirements. Many users share our reports directly with their broker to drive better decisions at renewal.

ChatGPT can summarize a document, but it doesn’t know what your specific industry requires, what your contracts demand, or how your coverage compares to 2,200+ real-world standards. CoverageShield uses a proprietary requirements database built from actual claims data — not generic AI guesswork.

We support any industry, but we have deep requirements databases for construction, restaurants, trucking, professional services, manufacturing, healthcare, and logistics. Our system checks your coverage against requirements specific to your industry, state, and contract obligations.

Yes. All data is encrypted in transit and at rest. Your policies and contracts are stored with row-level security — no other customer can access your data. We never share, sell, or transmit your information to insurance carriers, brokers, or any third party.

The free tier includes up to 3 policies, your Risk Score with a full breakdown, plain-English policy cheatsheets, expiration alerts, Risk Manager Updates, and 3 COI tracking slots. No credit card required, and the free tier never expires.

For each gap, you get a clear explanation of the risk, an estimated exposure amount, and a recommended fix. Shield subscribers can generate a broker letter with one click — a pre-written request to your broker explaining exactly what needs to change, with the correct coverage language included.

Your Risk Score reflects how well your current coverage matches your industry requirements, contract obligations, and common claim scenarios. It factors in coverage limits, exclusions, missing endorsements, and expiration timing. The score updates automatically as you add policies or contracts.

CoverageShield was built by Don Janacek, who lost his logistics company and 135 employees after a claim was denied due to a missing pollution endorsement that fell through the cracks between annual reviews. He built CoverageShield to fill the gap — giving every business owner dedicated, year-round coverage verification. The platform is 100% independent.

No. CoverageShield is 100% independent. We don’t place coverage, earn commissions, or take carrier revenue. Our only revenue comes from subscriptions, which means our only incentive is making sure your coverage is complete and compliant. Brokers place coverage. Carriers underwrite it. We verify it.