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CoverMatch
COVERMATCH

Your business insurance, in one wallet

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The CoverMatch wallet is where your business policies live once CoverMatch services them: every document, renewal date and limit, live certificates you share by link, auto ID cards, change requests and renewal autopilot. Policies get in three ways: moved here with one signature when your carrier allows it, rewritten with the same carrier, or bought through CoverMatch.

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Reviewed by CoverMatch licensed agents, Licensed property & casualty agents · Reviewed Nov 3, 2026 Updated
Coverage scoreEvery policy in one wallet
General LiabilityRenews in 47d
Workers' CompensationLive cert ✓
Business Owner's PolicyCan switch
CoverMatch Your general liability renews in 47 days. Want me to shop it?
WORKERS' COMP

Renewal autopilot on

Shopping starts 60 days before renewal

COMMERCIAL AUTO

ID cards on your phone

Add a vehicle in two taps

GENERAL LIABILITYCoverMatch

$1M / $2M · renews in 47 days

3 live certificates shared Blanket additional insured on file Change request: new location, sent to carrier
THREE WAYS IN

Every policy we service, with everything around it switched on.

  1. 01 / MOVE IT One signature If your carrier accepts a change of agent, sign once and the policy moves here. Same carrier, same coverage, same price.
  2. 02 / REWRITE IT Same carrier, new policy A few carriers do not allow a change of agent. We write the same coverage with them through CoverMatch and cancel the old policy the day the new one starts.
  3. 03 / MATCH IT Buy it here For carriers we can't take over, we shop a replacement. The policy you choose lands in the wallet the day it is bound.
Can we take over your policy? Add your policies

The wallet holds the policies CoverMatch services, because those are the ones we can issue certificates for, change and renew. Everything else gets a replacement quote, now or before it renews.

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 policiesHow switching works →
  1. 01Check your carrierThe takeover checker tells you in seconds whether your policy can move here with one signature, be rewritten with the same carrier, or needs a replacement.
  2. 02Bring the policy inScan or upload the declarations page. The wallet reads it, confirms the answer and opens the signing step.
  3. 03Use itShare live certificates, request changes, keep ID cards on your phone and let renewal autopilot shop each renewal.

Why one wallet

A small business usually has its policies scattered: a general liability policy from one agent, workers' compensation from another, a commercial auto policy bought online, each with its own portal, its own renewal notice and its own way of asking for a certificate. The wallet puts the ones CoverMatch services in one place, with the same tools for every one of them.

Why only policies we service

A wallet that showed every policy you own, whoever services it, would look complete but could not do much: we could not issue a certificate, process a change or shop a renewal for a policy another agency controls. Keeping the wallet to the policies we service means every button works.

Three ways in

If your carrier accepts a change of agent, one e-signature moves the policy here and nothing about it changes. A few carriers do not allow that on an existing policy, and with those we rewrite it with the same carrier and cancel the old one for the day the new one starts. For everything else, CoverMatch shops a replacement, and the policy you buy lands in the wallet the day it is bound.

Questions people actually ask

Can I put any policy in the wallet?

The wallet holds the policies CoverMatch services, because those are the ones whose status we can vouch for and act on: certificates, changes and renewals. Policies with carriers we can't take over get a replacement quote instead, now or before they renew.

Does moving a policy here change my coverage or price?

No. A change of agent keeps your carrier, policy number, coverage and price exactly as they are. What changes is who services it, and everything around the policy that switches on in the wallet.

What does the wallet cost?

Nothing. CoverMatch is paid by the carrier when a policy is placed or moved through us, so the wallet, live certificates and servicing are free to you.

Where can I use it?

On the web, and in the CoverMatch app on iPhone and Android with the document scanner, push notifications and Face ID or fingerprint unlock. One account works in both.

Who can see my wallet?

You, and the people you invite to your business with the role you choose: owner, admin, manager, certificates, billing or viewer. Certificate holders see only their own certificate page, never your premiums.

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 policiesGet matched

Keep reading

PRODUCTCoverMatch is insurtech for small business PRODUCTHow CoverMatch is paid PRODUCTHow CoverMatch works PRODUCTLicenses PRODUCTLike your carrier? Keep it. PRODUCTCertificates that update themselves PRODUCTCoverMatch Privacy Policy PRODUCTQuotes by email