Built for wholesale & E&S brokers
Know where every submission belongs.Before you send it.
Coverline reads the retail submission, checks it against your carrier panel's actual appetite, ranks the markets that will write it, and tells you what each carrier still needs — every figure cited to the document it came from. Your broker decides which markets get it.
Use a submission you've already placed · 25 submissions · No credit card · Your carrier panel configured for you within 5 business days
Every hard exclusion names its rule
100% broker-approved actions
Submission
Ready
Riverbend Logistics LLC
Effective 03/01/2026 · 9 of 14 eligible
- Class
- Trucking, long haul · SIC 4213
- Power units
- 42
- Radius
- Over 500 miles
- Scheduled equipment
- $7.4M
- Revenue
- $9.2M
Recommended markets (top 2 of 9)
Class in appetite
Territory eligible
$25M capacity available
Loss ratio within 75% maximum
Needs: current driver schedule
Why: long-haul appetite · preferred territory · capacity available
Class in appetite
Territory eligible
Loss ratio 68% — above 60% preferred, within 70% maximum
Needs: current driver schedule, updated equipment schedule
Why: class fit · loss history inside maximum · no referral required
Class in appetite
Territory eligible
$25M capacity available
Loss ratio within 75% maximum
Needs: current driver schedule
Why: long-haul appetite · preferred territory · capacity available
Class in appetite
Territory eligible
Loss ratio 68% — above 60% preferred, within 70% maximum
Needs: current driver schedule, updated equipment schedule
Why: class fit · loss history inside maximum · no referral required
Product interface. De-identified sample account.
Already in production
0
Wholesale and E&S broker teams running Coverline in production
0+
Submissions matched to date
0 business days
Time to a live carrier panel
Wholesale and E&S placement teams run their retail submissions through Coverline today. Not pilots — production placement.
Customer proof: Amwins · Burns & Wilcox · RT Specialty · CRC · Burns & Wilcox Canada
Placement advisory: John Goodloe, former Chief Underwriting Officer, Brokerage E&S — Ategrity Specialty · Devin Claypool, Chief Underwriting Officer — Eirion Risk Underwriters
01 / The problem
Your best placement people spend their day on market research.
A submission lands. Someone opens fifteen documents. Then they open appetite guides, check exclusions, check state eligibility, check capacity, and try to remember which carrier tightened up on that class last quarter. They pick eight to twelve markets, send it, and three carriers come back asking for information that could have been requested on day one.
Then the account renews and the whole thing happens again.
0 days
from retail submission received to markets engaged. Most of that wasn't underwriting judgment. It was looking things up.
Coverline exists so the bottleneck stops being how long it takes to look something up.
02 / How it works
Coverline does the research. Your broker picks the markets.
Coverline never sends a submission to a carrier, emails a retail agent, or binds anything without explicit broker approval. It prepares the market plan. Your licensed broker decides, and remains the broker of record on every account.
Swipe between the two paths
Today
10 days
- Retail submission lands with 15 documents
- Placement specialist opens each one
- Keys the exposure into a spreadsheet
- Opens the appetite guide for each carrier
- Checks exclusions, state licensing, capacity
- Tries to remember who tightened up last quarter
- Picks 8–12 markets from memory
- Sends it
- Three carriers come back asking for what was missing
- Repackage and resend
Ten days to markets engaged. And that's one submission.
The ranked market plan takes minutes. The three days is everything after — your broker reviewing markets, packages going out, and the decisions that should stay with a person staying with a person.
Read
Monitors your submission inbox and reads applications, loss runs, financials, schedules and supplementals as they arrive. No portal for your retail agents to learn.
Eliminate
Removes every carrier that cannot write the risk — class, territory, licensing, capacity, stated restriction — and names the rule that fired on each one.
Rank
Scores every remaining market against your configured appetite profile and shows the contributing factors behind each position.
Decide
Your broker promotes, demotes, reinstates or overrides any carrier. Every override is logged with the reason captured.
Generic AI
Coverline
Summarises the submission
Structures the risk, cited to source
Generic market knowledge
Your carrier panel
Similarity matching
Your appetite rules
A one-off answer
A placement record that persists
No audit trail
Every score, override and action logged
Coverline is the operating layer around placement — not a chatbot sitting beside it.
03 / The output
One submission. Your best markets, ranked.
This is what your placement team receives. Not a summary and not a shortlist someone assembled from memory — a ranked market plan with the rule behind every exclusion, the factors behind every score, and every extracted figure traceable to the document it came from.
Submission
Ready
Riverbend Logistics LLC
Effective 03/01/2026 · 9 of 14 eligible
- Class
- Trucking, long haul · SIC 4213
- Power units
- 42
- Radius
- Over 500 miles
- Scheduled equipment
- $7.4M
- Revenue
- $9.2M
- 5-yr incurred losses
- $2.07M / 31 claims
- 5-yr earned premium
- $3.05M
- Loss ratio
- 68%
Recommended markets (9 of 14 eligible)
Class in appetite
Territory eligible
$25M capacity available
Loss ratio within 75% maximum
Needs: current driver schedule
Why: long-haul appetite · preferred territory · capacity available
Class in appetite
Territory eligible
Loss ratio 68% — above 60% preferred, within 70% maximum
Needs: current driver schedule, updated equipment schedule
Why: class fit · loss history inside maximum · no referral required
Class in appetite
Territory eligible
Referral required — radius over 500 miles
Needs: MVR summary
Why: class fit · radius above auto-bind threshold
Not eligible (5 carriers)
Carrier D — Hard exclusion — long-haul radius over 500 miles
Carrier E — Hard exclusion — not licensed in filed state
Carrier F — Hard exclusion — 5-yr loss ratio above 65% maximum
(+2 more, collapsed)
Class in appetite
Territory eligible
$25M capacity available
Loss ratio within 75% maximum
Needs: current driver schedule
Why: long-haul appetite · preferred territory · capacity available
Class in appetite
Territory eligible
Loss ratio 68% — above 60% preferred, within 70% maximum
Needs: current driver schedule, updated equipment schedule
Why: class fit · loss history inside maximum · no referral required
Class in appetite
Territory eligible
Referral required — radius over 500 miles
Needs: MVR summary
Why: class fit · radius above auto-bind threshold
Product interface. De-identified sample account.
Every arrow is a live link. Click any figure and the source document opens at the exact page and section it came from. Coverline separates what a document says from what a broker concludes. Extracted facts carry a citation. Derived figures show their arithmetic. Every carrier removed names the rule that removed it — so nothing disappears from your panel without a reason you can check.
Hard exclusion
Conditional fit
Strong fit
Hard exclusions are kept separate from scoring on purpose. A carrier that cannot write the risk should never appear as a low-scoring option your team wastes an afternoon on.
04 / Your panel
Your panel. Their appetite. Your rules. Nothing you can't check.
Two questions decide whether a placement team trusts a ranking: whose appetite produced it, and can the underlying figures be traced back to a document. Both have the same answer — yours, and yes.
What Coverline maintains per carrier
Classes written
Classes excluded
Licensed states
Limits and capacity
TIV and revenue bands
Preferred risk characteristics
Loss thresholds
Referral triggers
Submission requirements
Special restrictions
What you control
Add, remove and prioritise carriers
Edit any appetite rule
Set preferred and restricted markets
Set minimum submission requirements
Override any ranking
Record why you overrode it
When a carrier tightens on Tuesday, your panel changes on Tuesday.
Your placement lead edits appetite rules directly. No ticket, no support queue, no waiting on a vendor sprint. Changes take effect on the next submission, and every change is versioned, attributed and timestamped.
We build your panel with you from your appetite guides and your last 12 months of placements. We hand over control so you're never dependent on us to run your own panel.
Appetite fit is a rules-based score measuring how closely the risk matches that carrier's configured appetite — class, territory, size, capacity and loss history. It is not a probability of quote. Whether a carrier quotes depends on their underwriter, their capacity that week, and the market. Coverline tells you where the risk belongs, not what the carrier will do with it.
Confirmed
Found, source unambiguous
Populated with a citation to page and section. One click to the original.
Needs review
Found but low confidence, or two documents disagree
Flagged amber, both sources shown side by side. Never silently resolved.
Not found
Not present in the documents provided
Left blank and added to the per-carrier missing-information list. Coverline does not infer, estimate, or guess a value it cannot cite.
Where we're weakest, twice over.
Documents: handwritten and low-quality scanned loss runs from smaller carriers. Rather than produce a confident wrong number, Coverline flags these for your team to correct in place. We'd rather show you four flagged fields than silently populate one wrong loss ratio.
Appetite: a carrier can tighten on a Tuesday and tell the market on a Friday. Your panel is only as current as what you and your account team put into it. That's why every override is logged, and why Carrier Appetite Intelligence aggregates your own declination reasons and quote patterns to surface evidenced shifts — but a profile no one has updated is a profile that will be wrong eventually.
Appetite Intelligence needs your own placement history to work from. It surfaces a shift when your evidence supports one, not on day one. Expect it to be quiet for the first few months. That's the design.
Coverline's ranking draws only on the extracted, cited data and the appetite rules you configured. It does not use outside knowledge about the risk, the insured, or what a carrier "usually" does. If a claim can't be traced to a source document or a rule you set, it doesn't appear in the market plan.
The full placement record
The diligent search file nobody wants to assemble.
Every surplus lines placement needs one, in the form the filing state requires, with declination evidence that holds up. It recurs on every account, the requirements differ state by state, and the person assembling it is usually reconstructing carrier responses from an inbox weeks after the fact.
Coverline builds it from evidence it already holds. Every carrier your broker approached, every declination and the reason given, every date — already logged against the placement record as it happened, not reconstructed afterwards.
Coverline does not make a legal determination that a diligent search has been satisfied. That judgment stays with your licensed broker, as it must. What Coverline does is make sure the evidence is there when your broker makes it.
Ten connected workflows on one placement record. All live.
One placement record. Every step connected. Your data and decisions compound instead of living in five different tools.
05 / The trial
Run a submission you've already placed.
The fastest way to evaluate Coverline is to give it an account you know the answer to. Run it, and compare Coverline's ranked markets against where it actually bound — and where it didn't.
01 Forward a real retail submission
02 Send us your carrier appetite guides
03 We build your panel and walk you through it
04 Coverline reads, ranks and flags what's missing per carrier
05 You compare the result against your own placement
Day 1
You forward a submission and send your appetite guides. That is everything we need.
Days 2–4
Our team builds your carrier panel from your guides and your last 12 months of placements.
Day 5
A 20-minute handover session. We walk you through your panel, you correct what you disagree with, and we run your submission live on the call.
Included
14 days, starting the day your panel goes live — not the day you sign up
Up to 25 of your own submissions — these count against nothing
All ten placement workflows, no feature gating
Carrier panel built by our team
Full ranked market plans with citations
Draft retail agent communications
Data deleted on request, with a certificate
Not required
No credit card
No contract or commitment
No agency management system integration
No engineering time from your side
No change to how your retail agents submit
What this will cost your team.
The handover session is 20 minutes. Comparing Coverline's rankings against placements you already made is roughly a couple of hours of your placement lead's time across the trial. We'd rather say so than have you discover it in week two.
The fourteen days are yours, not ours. The clock starts when your panel goes live, so setup time doesn't eat your evaluation.
If you continue, your panel carries straight over — you don't start again. If you don't, we delete your data and issue a certificate of deletion. There is no auto-billing and no card on file to charge.
06 / Pricing & fit
Published pricing. You shouldn't need a call to find out what it costs.
$0
per placement user / month
All ten placement workflows. No feature gating.
Unlimited read-only seats for accounting, compliance and leadership
No per-submission charges. A fair-use allowance applies, set high enough that no customer has reached it
Carrier panel configuration and onboarding included
Full audit trail and export
Live in 5 business days
No setup fee. No per-document fees. No minimum book size. No overage billing.
Built for
Wholesale brokers and E&S brokers placing binding and brokerage business
3–40 placement users
150+ retail submissions a month across new business and renewals
A carrier panel you maintain — not a generic market database
Email, spreadsheets and an agency management system
Classes we've built for
Property · Commercial auto and transportation · Construction
Validated carrier appetite profiles and extraction accuracy across these three today. Other classes are in development. If you place something else, ask us — we'd rather tell you we're not ready than have you find out in week three.
0.00
FTE of placement capacity recovered
$0
in recovered capacity
0.0×
return
At starting assumptions on a 2,400-submission book. See the full model →
Start without integration. Coverline reads submissions from the inbox you already use. No IT project, no procurement cycle, no policy admin system required to get started.
Coverline is read-only across every agency management system. It never writes to your book of record. Your team remains the only thing that updates your systems — which means Coverline clears IT review without a data-integrity assessment.
Retail agencies placing business rather than brokering it into surplus markets
Carriers and MGAs underwriting on their own paper — Coverline's MGA product is built for that, this one isn't
Classes outside property, commercial auto and transportation, and construction, until we've built and validated the appetite profiles
Teams without a defined carrier panel — Coverline ranks your markets; it can't tell you which markets to have
Multi-division and multi-branch segregation, SSO/SAML/SCIM, dedicated environment, custom SLA, sandbox for panel testing. Book a demo →
07 / Results
What 0 placement teams are getting out of it.
Amwins · Burns & Wilcox · RT Specialty · CRC · Burns & Wilcox Canada
Coverline runs inside individual placement divisions and branches, not group-wide.
Your panel is yours alone. Appetite Intelligence learns only from your own placements. Your carrier profiles, declination history and placement outcomes are never aggregated with another brokerage's, never used to train models, and never visible outside your tenancy — including to other Coverline customers.
$120M wholesale E&S broker
US Southeast · Property, casualty and specialty placements
$65M specialty wholesale broker
US Northeast · Complex commercial and professional lines
$18M regional E&S broker
US Southwest · Construction, transportation and hard-to-place risks
The biggest difference is that Coverline gives our placement team a clear view of what has happened to a submission and what needs to happen next. We can see the market responses, missing information and placement status without reconstructing the story across emails and spreadsheets.
Declinations, market outreach and supporting evidence are captured as the placement happens, rather than being pieced together later when someone needs to prove what we did. That makes the workflow faster and the file much easier to defend.
Insurance leadership
John Goodloe — Strategic Insurance Advisor
Devin Claypool — Insurance Advisor
Engineering & AI leadership
Chintan Shah — Founder
08 / Case studies
How placement teams describe the change in their own words.
Both run Coverline inside a single placement division, on their own carrier panel. Open either one for the profile, the first-90-days numbers, and what deliberately stayed the same.
How a $65M specialty wholesale broker stopped reconstructing the placement file.
“Declinations, market outreach and supporting evidence are captured as the placement happens, rather than being pieced together later when someone needs to prove what we did. That makes the workflow faster and the file much easier to defend.”
James Main · President · The Mainstay Insurance Group
- Brokerage
- $65M specialty wholesale broker
- Region
- US Northeast
- Lines
- Complex commercial and professional
- Panel go-live
- 5 business days
0 days
was the baseline
From retail submission received to markets engaged. Most of that was not underwriting judgment — it was looking things up across appetite guides, exclusions, state eligibility and capacity.
0%
broker-approved
Nothing reached a carrier or a retail agent without an explicit approval. The market plan stays a recommendation until a broker releases it.
0 business days
to a live panel
Their carrier panel — appetite, exclusions, capacity and territory rules — was configured from the guides they already had on file.
What changed
- Declinations, market outreach and supporting evidence are captured as the placement happens, instead of being reconstructed weeks later.
- Every figure in the market plan carries a citation back to the document it came from, so the file answers “where did this number come from” on its own.
- Renewals reuse the prior placement record rather than starting the same research over for an account already on the book.
What didn’t
- The broker still decides which markets get the submission. Coverline ranks and drafts; it does not send.
- No rip-and-replace — Coverline sits on top of the email, spreadsheets and policy admin system already in use.
- Their carrier panel stays theirs. Appetite Intelligence learns only from their own placements.
Seeing where every submission stands without reconstructing the story.
“The biggest difference is that Coverline gives our placement team a clear view of what has happened to a submission and what needs to happen next. We can see the market responses, missing information and placement status without reconstructing the story across emails and spreadsheets.”
David Ross · CEO · Gallagher International (Wholesale Brokerage)
- Brokerage
- $120M wholesale E&S broker
- Region
- US Southeast
- Lines
- Property, casualty and specialty
- Panel go-live
- 5 business days
0 to 12
markets per submission
Sent without a shared view of who had already responded, what each carrier still needed, or which markets had been ruled out and why.
0
carriers came back
Asking for information that could have been requested on day one, because the gaps were not visible until after the submission went out.
0%
cited to source
Market responses, missing information and placement status live in one record, each figure traceable to the document it came from.
What changed
- Placement status, market responses and outstanding information requests sit in one record instead of across inboxes and spreadsheets.
- What a carrier still needs is visible before the submission goes out, not after they come back asking.
- Anyone on the team can pick up an account without asking who last touched it.
What didn’t
- Underwriters and brokers keep the decision. Nothing is released to a market automatically.
- Their existing carrier relationships and submission channels stay exactly as they were.
- Placement data is never aggregated with another brokerage's or used to train shared models.
08 / Get started
From submission to markets in three days.
Forward a submission you've already placed and send us your appetite guides. Within five business days you'll see your own carrier panel ranked against your own account — and you can compare the result against where it actually bound.
Questions