COVERMATCH

Your insurance wallet, on your phone

QUICK ANSWER

The CoverMatch app turns the policies you already have into cards you can actually use: scan or forward a policy, get its limits and renewal date, share a live certificate link with anyone who asks, and compare quotes side by side when a renewal or a gap comes up. It is free. Upload any policy and we tell you on the spot whether we can take it over with one signature or find you a replacement; the wallet holds the policies CoverMatch takes care of.

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Reviewed by Michael LaBarbera, Licensed property & casualty agent, Provident Financial Group · Reviewed Oct 12, 2026 Updated Oct 14, 2026

Coverage scoreEvery policy in one wallet

General LiabilityRenews in 47d

Workers' CompensationLive cert ✓

Business Owner's PolicyCan switch

CoverMatch Bring a policy here and I will tell you what is missing.

FREE WITH EVERY POLICY YOU MOVE HERE

Everything that switches on the day a policy moves here. All of it free.

Same carrier, same policy, same price. What changes is everything around it.

What you get	What it does	The old way	COST
Live certificates	Share proof of insurance by link, QR code, email or text. The holder's page shows today's coverage, updates itself when a policy changes, and tells them. Apple Wallet and Google Wallet passes included.	Call the agent, wait a day or two, send a PDF that is stale the moment anything changes.	Free
Renewal autopilot	About sixty days before each renewal we prefill a quote request from your wallet, ask whether anything changed in one tap, and line the new quotes up beside the renewal. Nothing switches without your signature.	Auto-renew blind, or start again from a blank application.	Free
Changes handled from the app	Add a vehicle, driver, location or additional insured, ask for an endorsement or a cancellation. We send it to the carrier, chase it, and update the wallet and your certificates when it comes back.	A phone call, a form, and a follow-up call to ask what happened.	Free
Billing and cancellation alerts	Due dates, Pay now links and reminders before each installment. A past-due or intent-to-cancel notice from the carrier reaches you the same day, with what to do about it.	A notice in the mail you find after the policy has lapsed.	Free
Document vault	Every declarations page, endorsement, binder, audit and certificate in one searchable place. Forward a document to your private address and it files itself.	Email search and a drawer.	Free
Ask anything, any hour	Plain-English answers from your own policies, day or night, with a licensed agent one tap away whenever you want a person.	Voicemail, and a call back during business hours.	Free
Policy explainer	Each policy read into plain English: what it covers, the limits, what it excludes, and which blanket endorsements you already have for certificates.	A sixty-page PDF and a guess.	Free
Coverage score and gap alerts	A score from 0 to 100 with the fixes that matter most, and an alert when a lease, a contract or a renewal leaves a gap.	Find out from a claim or a landlord.	Free
Lease and contract checker	Upload any lease, contract or vendor agreement. Every insurance requirement is pulled out with its clause and compared with what you carry.	Guess, or pay someone to read it.	Free
Business roster	Locations, vehicles, drivers, equipment, payroll and revenue in one place, filled from your policies, with one tap to change any of them.	Spreadsheets and the agent's memory.	Free
Subcontractor certificate tracker	Set what your subs must carry, invite them by link, and let the wallet check every certificate, chase the gaps and export the file for your own audit.	A folder of expired certificates found at audit time.	Free
Team access	Roles for your office manager, bookkeeper and front desk, authorized signers for anything that needs a signature, and a log of who did what.	One shared login, or everything through you.	Free
Payroll connection	Link your payroll system so payroll and headcount stay current and audits hold fewer surprises. Workers' comp can be billed pay-as-you-go through most payroll companies where the carrier offers it.	Estimate in January, settle up at audit.	Free
Premium audit helper	Reminders before the audit, a checklist of the records to gather, a running comparison of actual payroll to the estimate, and the audit statement explained.	A surprise bill and a scramble for records.	Free
Claims, routed in one tap	The carrier's claim line and online claim link for any policy, instantly, with the request logged so nothing is lost.	Dig out the policy to find the number.	Free
One wallet, every business, web and phone	Every business you own in one account, the same wallet on the website and in the app, in English or Spanish, with push, email or text when something needs you.	A different agent, portal and password for each.	Free

You never pay CoverMatch a fee. When a policy moves here, the carrier pays us the servicing commission it already pays today, from the same premium. The policy itself does not change.

Add your policies How switching works →

Built around three moments

The day you need a certificate. A landlord, a general contractor, a client's vendor portal — someone wants proof of insurance today. Open Certificates, add the holder, tick the endorsements their contract asks for, and send a link. The page they open shows live status, not a PDF from last spring.

The week a renewal lands. The wallet knows the dates. Sixty days out it flags the policy, pre-fills a quote request from what it already knows about your business, and sends it to every eligible carrier at once. Quotes come back into the Matches tab beside what you have now.

The moment something changes. A policy renews, a holder opens their link, a carrier replies, a document is read. Push notifications tell you; the wallet updates itself.

What is on the home screen

Coverage score with the single most useful next fix.
Stacked policy cards: tap one to expand limits, documents, renewal date, and the Certificate and Shop renewal buttons.
Needs attention: expiring policies, gaps against a lease or contract, holders waiting on an endorsement.
Ask anything: a chat bar for questions about your coverage. It is an AI assistant, it says so, and "agent" gets you a licensed person.

Who it is for

Owners of businesses with roughly one to fifty employees who hold a few policies from a few places and want one picture. It is available in the states where our agency is licensed; elsewhere you can join the waitlist and use the free tools until the wallet opens in your state.

Get it

The iPhone and Android apps are published by our licensed agency. Until the store listings are live, the web app at covermatch.app/app has the same wallet, certificates and matches; sign in with your email and a one-time code.

Questions people actually ask

Do I need the app, or does the website do the same?

They share one account and one wallet. The app adds the document scanner, push notifications when a policy is read or a certificate is viewed, and Face ID / fingerprint unlock. Everything else works at covermatch.app/app as well.

Can my bookkeeper or manager see the wallet?

Team roles (admin and viewer) are arriving in a coming release. Until then you can share individual live certificate links and documents.

Is my data safe?

Documents are stored encrypted in private storage with short-lived links, tax IDs and payroll are encrypted at the field level, and nothing is sold or shared with lead buyers. See the security page for the full list.

What does the scanner do with my policy?

It reads the declarations page twice with two independent passes. When both agree on the carrier, policy number, dates and limits, the card appears. When they disagree, you get a one-tap check; only real conflicts wait for a licensed agent.

MANAGE IT IN THE APP

Every policy, renewal and live certificate in one wallet.

Scan a dec page and the card appears. Share a live certificate link that updates itself. Get matched when a renewal comes around.

Add your policies Get matched

Keep reading

PRODUCTWho is behind CoverMatch PRODUCTHow CoverMatch works PRODUCTLike your carrier? Keep it. PRODUCTCertificates that update themselves PRODUCTQuotes by email PRODUCTHow we protect your business's information