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
Steps to Launch a Digital Brokerage
From idea to first bind in five easy steps
Set Up Your Entity
Form your LLC or S-Corp 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. Getting this right from day one matters - carriers and regulators will ask for documentation.
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 S-Corp 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. Getting this right from day one matters - carriers and regulators will ask for documentation.
Educational Resources
Learn the essentials of launching a brokerage with founder-focused resources.
CoverForce Named to the 2025 CB Insights’ List of the 50 Most Innovative Insurtech Startups
October 16, 2025 / CoverForce
Skyscraper Insurance Launches on CoverForce Agent Platform
September 25, 2025 / CoverForce
Broker Codes, Extended: Building a More Flexible Insurance Ecosystem
June 11, 2025 / Kaivan Wadia
FAQ
Have questions? We got answers
Neither. CoverForce is neutral infrastructure - we are not a broker of record, and we do not offer our own market access solution. We don't take positions in the market or compete with the brokerages and MGAs we serve.
Instead, we partner with established market access providers who offer carrier appointments to startups that aren't yet appointed directly. Those partners set their own terms and pricing; CoverForce negotiates preferred rates on behalf of Startup Program members. Our role is to connect the dots - not to own the relationship between a startup and its carriers.
The primary requirement is a commitment to offering preferred pricing to CoverForce customers. Our Startup Program members are early-stage brokerages that are price-sensitive and volume-driven - partners who offer competitive, transparent pricing get the most out of the relationship.
Beyond pricing, we look for partners with broad carrier appetite, clean onboarding processes, and a genuine interest in supporting the next generation of insurtech brokerages. If that describes your organization, apply to become a partner →
What Founders Say
Built for builders like you.
Alex Ledbetter
Founder, Diligence 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.”
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
Submission quality → first wholesale partner appointed in 2+ years.
5-Point Bind Advantage
CoverForce submissions score 5 points higher on Liberty Mutual’s bindability criteria.