Stealth or VC
funded teams
01
You're building in stealth, backed by investors, or part of an accelerator program.
Startups
The fastest way to launch a commercial brokerage
CoverForce gives early-stage startups the infrastructure, carriers, and ecosystem support to go from zero to a fully-launched insurance brokerage in days.
Program Criteria
Built for founders who are serious about insurance. If you meet the criteria, you're welcome to apply
Stealth or VC
Incubated
startups
02
Your company started inside a venture studio, foundry, or company builder and is now ready to launch or grow.
New
brokerages
03
You're starting a brokerage, writing your first policies, or growing an early book of business.
Program Overview
Infrastructure, pricing, education, and ecosystem partnerships - so you can get to market faster
Join the programPreferred startup
pricing
01
Qualified teams get low-cost pricing built for early-stage brokerages and designed to grow with your book.
Educational
resources
02
Access educational resources designed to help your team learn the industry and scale with confidence
Carrier connectivity
& access
03
60+ carrier integrations are ready from day one through our API, with warm carrier introductions when you're ready for direct appointments
Market access
partnerships
04
Carrier appointments are the #1 bottleneck for new brokerages. We connect qualified startups with vetted market access providers who can get you live before you have your own direct appointments
How to Launch a Digital Brokerage
From idea to first bind in five easy steps
Set Up Your Entity
Form your LLC or corporation and get the legal foundation in place before anything else.
You'll need a registered business, an EIN, and a registered agent in each state you plan to operate in. Most venture-backed brokerages incorporate as a Delaware C-Corp — carriers and regulators will ask for the documentation, so get it right on day one.
Get Licensed
Secure producer and entity licenses.
Licensing requirements vary by state - each has its own exam, application, and renewal cadence. The two main portals used by regulators across the country are NIPR and Sircon.
Access the Market
Accelerate carrier appointments through our partner network.
Carrier appointments take time to secure for a new brokerage. Our market access partners let you quote and bind through their existing appointments so you're generating revenue from day one.
Startup Program members get preferred pricing from our market access partners. Start writing business on day one, not month six.
Connect the API
Plug into CoverForce and start quoting in days, not months.
One integration gives you real-time quoting and binding across commercial lines - GL, BOP, Workers' Comp, Professional Liability, and more. Our sandbox is ready from day one.
Quote Your First Risk
Submit an account, get real-time comparative quotes, and bind - all in one flow.
CoverForce handles appetite matching, form prefill, and comparative quoting across carriers. Your team stays focused on the client. Your first bound policy is closer than you think.
Set Up Your Entity
Form your LLC or corporation and get the legal foundation in place before anything else.
You'll need a registered business, an EIN, and a registered agent in each state you plan to operate in. Most venture-backed brokerages incorporate as a Delaware C-Corp — carriers and regulators will ask for the documentation, so get it right on day one.
Educational Resources
Learn the essentials of launching a brokerage with founder-focused resources.
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FAQ
Have questions? We got answers
CoverForce gives startups infrastructure, carrier access, and ecosystem support to launch a commercial brokerage in days, with 60+ carrier integrations available on day one via a single API. Its five-step roadmap covers entity setup, licensing, market access through carrier appointments, connecting the API, and quoting the first risk, backed by a sandbox environment ready from day one.
CoverForce is an AI-native commercial insurance API purpose-built for startups, offering real-time quoting and binding across general liability, BOP, workers' compensation, and professional liability through 60+ carrier integrations. It includes appetite matching, ACORD form prefill automation, and a day-one sandbox, plus preferred startup pricing for stealth, VC-funded, incubated, and newly launched brokerages.
CoverForce provides market access partnerships that connect startups with vetted carriers, so a new brokerage can obtain carrier appointments through partners rather than negotiating each one alone. Combined with 60+ carrier integrations available day one via API, this lets stealth, VC-funded, and newly licensed startups access markets and quote commercial risks far sooner than building appointments independently.
Yes. CoverForce provides a sandbox environment ready from day one and preferred startup pricing designed for early-stage brokerages, including stealth teams, VC-funded and accelerator startups, incubated ventures, and new brokerages writing their first policies. Startups also receive educational resources and market access partnerships to help them learn the industry and scale.
CoverForce's launch roadmap has five steps: set up an entity such as an LLC or S-Corp, get producer and entity licenses, access the market via carrier appointments through partners, connect the API for real-time quoting across commercial lines, and quote the first risk to get comparative quotes and bind. The platform supports this end to end from day one.
Yes. CoverForce's API enables real-time quoting and binding across commercial lines including general liability, BOP, workers' compensation, and professional liability, with 60+ carrier integrations, appetite matching, and ACORD form prefill automation. Startups build on the same AI-native platform that has processed 110,000+ submissions, using a day-one sandbox to integrate before going live.
What Founders Say
Built for builders like you.
Alex Ledbetter
Founder, Delegance Brokerage
“As a new brokerage, securing direct carrier appointments on our own was challenging. With CoverForce's support, we connected with the right carrier teams and were appointed in a matter of days, which would have been far more difficult and time-consuming on our own.”
Jatin Sandilya
Founder, Latent Insurance
“We went from kickoff to live in under two months. The CoverForce API was straightforward to work with - clean documentation, a sandbox that behaved like production, and a team that answered questions same-day. Multi-carrier quoting that would have taken us quarters to build ourselves was running in weeks.”
Gary McCarthy
Founder, Snapbind
“Building bindable, multi-carrier quoting ourselves would've meant a team we didn't have. With CoverForce, we went from idea to a live, bindable flow in about three weeks — without adding a single engineer.”
Alex Ledbetter
Founder, Delegance Brokerage
“As a new brokerage, securing direct carrier appointments on our own was challenging. With CoverForce's support, we connected with the right carrier teams and were appointed in a matter of days, which would have been far more difficult and time-consuming on our own.”
Jatin Sandilya
Founder, Latent Insurance
“We went from kickoff to live in under two months. The CoverForce API was straightforward to work with - clean documentation, a sandbox that behaved like production, and a team that answered questions same-day. Multi-carrier quoting that would have taken us quarters to build ourselves was running in weeks.”
Gary McCarthy
Founder, Snapbind
“Building bindable, multi-carrier quoting ourselves would've meant a team we didn't have. With CoverForce, we went from idea to a live, bindable flow in about three weeks — without adding a single engineer.”
Carrier results that
speak for themselves
Explore Carrier
0% Error Rate
Only integration partner to achieve 0% API error rate on submission data.
Live in 12 Weeks
BOP integration: under 12 weeks, less than 10 hours carrier eng time.
Trust & Quality
Inbuilt Validations lift submission quality, enabling Chubb's first wholesaler appointment in 2+ years.
5-Point Bind Advantage
CoverForce submissions score 5 points higher on Liberty Mutual’s bindability criteria.