WithCoverage provides insurance experts, claims attorneys, and a risk management platform.
WithCoverage is an insurance advisory and risk management service for DTC brands. Their advisors review your existing policies, find redundant or missing coverage, and negotiate with carriers on your behalf. Brands carrying product, liability, or shipping insurance that have never had the policies audited tend to find the most savings.
What WithCoverage does for Shopify brands
- Policy audit and carrier negotiation cut premiums on existing coverage
- Advisors handle renewals, claims filing, and carrier coordination, freeing internal hours
- Coverage-gap review catches underinsured risk before it becomes a loss
Overview
WithCoverage is a commercial insurance and risk management company that acts as an alternative to a traditional insurance broker. A team of insurance experts, attorneys and claims specialists, supported by an AI platform, reviews a business's risks and manages its policies and claims as it grows. It serves businesses in construction, consumer, hospitality, real estate and technology.
For Shopify brands
- Consumer brands get a team of insurance experts, attorneys and claims specialists that works in their industry.
- Its claims team, which includes attorneys, handles the claims process and recommends fixes for areas of exposure.
- Policies, claims, certificates of insurance, exposures and renewals are managed in one digital platform.
How it works
WithCoverage's team analyzes the business's risk and writes a risk management plan covering current protection and what it will do as the business grows. It then manages the policies, claims and safety procedures over time and adjusts coverage as the business changes. The business uses a digital platform to view its policies, claims and certificates.
- Built for
- Businesses in construction, consumer, hospitality, real estate and technology that do not have an in-house risk management team.
- Pricing
- Charges a flat fee for its risk management service rather than the commission model of a traditional broker.
Products
- Risk management plan Team analysis of a business's risk and a tailored plan for current and future coverage.
- Policy Management Keeps all of a business's policies in one place.
- Claims Management Intake, monitoring and analysis of claims.
- COIs Issue and track certificates of insurance.
- Exposures Tracks auto, location and hazard risk.
- Renewals Centralizes communications for policy renewals.
Buyer notes
- Offices in New York, San Francisco, Austin, Salt Lake City, Chicago and Philadelphia.
- Client team includes insurance experts, insurance attorneys, claims managers and loss control specialists.
- Clients log in to a digital platform for policies, claims, COIs, exposures and renewals.
From WithCoverage's own site and Shopify App Store listings, as of 2026-10-30.
How much does WithCoverage cost?
Charges a flat fee for its risk management service rather than the commission model of a traditional broker.