Founded by two former claims adjusters who got tired of watching good people discover their policy did not cover what they assumed.
Elena Marsh and David Okoye spent a combined nineteen years working claims for two large national carriers. They were good at the job. That was the problem.
Denying a claim is rarely dramatic. It is a quiet phone call explaining that the water damage was seepage rather than sudden discharge, or that the roof was settled at actual cash value, or that the business interruption limit ran out in week three. Almost every time, the customer had no idea until that moment — because nobody had walked them through the policy when they bought it.
In 2012 they left to build the brokerage they wished those customers had used: independent, appointed across dozens of carriers, and structured so that the person who sells you the policy is the same person who fights for you when you claim on it.
These are not wall posters. Each one maps to something concrete in how we are paid, how we are audited, and how we handle your file.
We are appointed with 40+ carriers and owned by nobody but ourselves. No carrier gets preferential placement, ever.
If a policy needs a glossary to understand, we have not explained it properly yet. Every quote comes with a plain-English summary.
Selling is the easy part. Our reputation is built on the phone calls we make on your behalf when something has gone wrong.
You get a named human being with a direct line, not a ticket number in a queue.
Most clients are fully covered within 48 hours of the first conversation.
A short conversation about what you own, who depends on you, and what would genuinely hurt to lose.
Your profile goes to our full carrier panel. We compare cover terms, exclusions and claim-paying record — not just price.
Two or three real options, side by side, with the trade-offs stated plainly. No pressure and no deadline pressure tactics.
Annual re-shopping, mid-term changes, and full claims advocacy for as long as you are a client.
A storm took out half our roof and I braced for a fight. CoverShield had an adjuster at the house in 36 hours and the replacement-cost cover they insisted on two years earlier paid for a brand new roof, not a depreciated one. That single piece of advice was worth every premium we have ever paid.
Our previous broker sold us a policy and vanished. These people actually walked our warehouse, found we were underinsured on business interruption by about $400k, and fixed it before it mattered. Six months later a burst pipe closed us for three weeks — and we were covered.
I had put off life insurance for six years because I assumed it would be complicated and expensive. It took one 25-minute call. Twenty-year term, no medical exam, $34 a month. I genuinely sleep better now.
They checked every one of my doctors and my two prescriptions against four plans before I signed anything. Found me a silver plan with cost-sharing reductions I had no idea I qualified for — saving about $2,900 a year on my real spend.
Bailey swallowed a corn cob. The surgery was $4,200. I paid the vet, uploaded the invoice that evening, and 90% was back in my account in four days. No arguing, no forms in triplicate. I recommend them to everyone at the dog park.
I was quoted $186 a month elsewhere. CoverShield got me to $118 with better liability limits and added an umbrella policy. They explained exactly why the cheaper quote I found online was a trap.
One conversation, forty carriers, zero obligation. Most clients are surprised by how little of their day it takes.