Help Center

CoverageShield supports three methods for adding policies to your account. You can use any combination depending on what is most convenient.

PDF Upload (AI-Powered)

Click “Upload & Analyze” on the Policies page and drop in a PDF or Word document of your policy. Our AI reads the document and extracts your carrier, policy number, coverage limits, endorsements, exclusions, and sublimits automatically. Review the extracted data before saving.

Manual Entry

Click “Add Policy Manually” to enter your policy details by hand. This works well when you have a declarations page or summary handy. Enter the policy type, carrier, effective dates, limits, and deductible. Workers’ comp and auto policies have additional fields for class codes and vehicle counts.

Sample Data

If you want to explore the platform before uploading real policies, click “Load Sample Policies” to populate your account with realistic sample data. You can delete sample policies at any time.

Your Risk Score is a 0–100 rating that reflects how well your insurance coverage protects your business. It updates automatically as you add policies, scan contracts, and complete check-ins.

The Four Scoring Components

Coverage (40 points): How many of your industry’s required coverage types you have, and whether your limits meet standard thresholds. Missing a required coverage type (like pollution liability for contractors) has a larger impact than having slightly low limits.

Compliance (20 points): Whether your policies meet the specific requirements in your contracts and leases. This is based on contract scans you’ve run through the compliance scanner.

Currency (20 points): How close your policies are to expiration. Policies expiring within 30 days reduce this score significantly. Expired policies drop it to zero for that policy.

Engagement (20 points): Whether you’re actively maintaining your coverage profile. Completing quarterly check-ins, reviewing Risk Manager Updates, and keeping your risk profile current all contribute to this score.

How to Improve Your Score

The fastest way to improve is to address critical gaps identified in your gap analysis. Each gap shows the estimated point improvement you’ll gain by fixing it. Keeping policies current and completing quarterly check-ins steadily raises your engagement and currency scores.

The contract compliance scanner compares insurance requirements in your contracts against your actual policies. Here’s how to use it:

Step 1: Upload or Paste Your Contract

Go to Contracts in the sidebar. Select the contract type (customer contract, vendor agreement, lease, subcontract, etc.) and enter the counterparty name. Either upload a PDF or paste the contract text directly.

Step 2: Review Results

CoverageShield extracts every insurance requirement from the contract and checks each one against your policies. You’ll see a compliance score and a breakdown: compliant (green), non-compliant (red), and needs review (amber). Each item includes the required value, your current value, and what action is needed.

Step 3: Generate a Broker Letter

If you have non-compliant items, click “Generate Broker Letter.” This creates a professional letter to your broker listing exactly what needs to change, with the correct coverage language already written. Copy it to your clipboard or save it to your vault.

Expiration alerts are automatic for every policy you add to CoverageShield. There is no setup required.

How It Works

When you add a policy with an expiration date, CoverageShield automatically schedules email notifications at 90 days, 60 days, and 30 days before expiration. You’ll also see upcoming renewals on your dashboard’s Renewal Countdown widget and in the Insurance Calendar.

What the Alerts Include

Each alert email includes the policy type, carrier, expiration date, and a link to your dashboard. It also flags any known gaps for that policy so you can address them during the renewal conversation with your broker.

Expired policies are marked in red on the Policies page and reduce your Risk Score’s Currency component. Renewing a policy and updating the dates in CoverageShield restores your score.

The AI Insurance Advisor is an interactive chat tool that answers questions about your coverage in plain English. It has access to your uploaded policies and risk profile.

What It Can Do

Ask questions like “Am I covered if a worker gets injured on site?” or “What gaps do I have in my umbrella coverage?” The advisor references your actual policies and industry requirements to give specific, contextual answers rather than generic information.

What It Cannot Do

The AI Advisor provides informational analysis only. It is not a licensed insurance professional and cannot provide legal, financial, or insurance advice. Coverage decisions should always be reviewed with your broker or a licensed agent. You’ll see a disclaimer when you first use the advisor.

Usage Limits

Free and Shield users get 25 questions per day. Shield Pro users get 50 questions per day. The counter resets each day at midnight.

Broker letters are pre-written requests to your insurance broker that explain exactly what coverage changes are needed. They save you the work of translating gap analysis results into language your broker understands.

What They Contain

Each broker letter includes: the specific gaps identified, the coverage or endorsement needed, the recommended limits, why the gap matters for your industry, and a reference to the contract or requirement that triggered the recommendation. The language uses standard insurance terminology your broker expects.

How to Generate One

From your gap analysis results, select the gaps you want to address and click “Generate Broker Letter.” You can also generate letters from the contract compliance scanner results. Copy the letter to your clipboard, email it directly, or save it to your vault for later.

Customization

If you’ve added your broker’s information in Settings, the letter will be pre-addressed to them. You can edit the letter before sending. The letter is a starting point, not a final document.

The COI Tracker lets you monitor Certificates of Insurance from your vendors, subcontractors, and partners in one place.

Adding Certificates

Click “Add COI” in the COI Tracker tab on the Policies page. Enter the vendor name, certificate holder, policy details, and expiration date. You can also upload a PDF of the certificate.

Expiration Monitoring

CoverageShield tracks expiration dates for every COI you add and alerts you when a vendor’s coverage is about to lapse. This is critical for contractors and property managers who need to maintain compliance with their own contracts.

Free vs. Paid

Free tier users get 3 COI tracking slots. Shield and Shield Pro users get unlimited COI tracking. Shield Pro users with subcontractor tracking can manage up to 20 subcontractors with automated compliance monitoring.

Policy cheatsheets are plain-English summaries of your insurance policies. They translate complex policy language into clear, actionable information you can actually understand.

What They Include

Each cheatsheet covers: what the policy covers in simple terms, your key limits and deductibles, notable exclusions or limitations, endorsements that expand or restrict coverage, and anything unusual compared to standard policies for your industry.

How to Generate One

On the Policies page, select any uploaded policy and click “Generate Plain-English Summary.” The AI analyzes the full policy document and produces a summary in 15–30 seconds. The cheatsheet is saved with the policy for future reference.

Cheatsheets are available on all tiers, including Free. They’re one of the most-used features because they help you actually understand what you’re paying for.

CoverageShield offers three plans designed for different stages of business growth.

Free ($0/forever)

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

Shield ($49/month)

Everything in Free, plus: unlimited policies and scans, full gap analysis with cost data, contract compliance scanning, broker letter generation, AI Insurance Advisor (25 questions/day), over-insurance detection, Claims Center, and unlimited COI tracking. 1 user seat.

Shield Pro ($99/month)

Everything in Shield, plus: 5 users included, subcontractor compliance tracking (20 subs), field compliance checker for mobile COI verification, premium analytics with renewal kits and benchmarking, custom branded exports with your logo, and priority support via direct email.

How to Upgrade

Go to Settings → Billing in your dashboard to upgrade at any time. Upgrades take effect immediately. You can also downgrade or cancel at any time — no contracts or commitments.

Team management is available on Shield Pro ($99/month), which includes 5 user seats.

Adding Users

Go to Settings → Team in your dashboard. Click “Invite Member” and enter their email address. Choose their role: Member (view and edit), Admin (full access including team management), or Sales Rep (read-only access to contract compliance). The invitation expires after 7 days if not accepted.

Roles and Permissions

Members can view and edit policies, run gap analyses, scan contracts, and use the AI Advisor. Admins can do everything members can, plus manage team members and access billing. Sales Reps have read-only access to the contract compliance scanner, useful for field teams who need to verify COIs on-site.

Seat Limits

Shield Pro includes 5 seats. If you need more, additional seats are available as add-ons from the Billing page. The team owner cannot be removed from the account.