The Founders Program is open
More producer hours.
Less E&O exposure.
CoverX AI is the analysis layer for retail commercial agencies. Three tools, built for renewal review, prospect review, and new quoting. Form Analyzer reads every page. Quote Comparison brings two carrier quotes side by side. Proposal Generator drafts in your agency's voice. Your team reviews and signs off.
Lifetime founding pricing for the first 50 agencies.
Locked in when you subscribe.
The language that doesn't announce itself
The first of three reasons agencies adopt CoverX AI: catching what the renewal window or prospect timeline can't.
Where buried language hides.
Even the most thorough commercial review focuses on what the dec page, the schedule of forms, and the deductibles tell you. That's where the obvious risk lives, and that's where your team correctly spends their time. The risk that's harder to see is the language inside forms that don't read as exclusions until you reach the last paragraph.
Three real examples from across the commercial market.
The Vacancy Penalty
ISO Building and Personal Property Coverage Form, Section E, Condition 6. Buried mid-form inside what reads as standard policy conditions. If the property is vacant more than 60 days before a loss, the carrier pays nothing on vandalism, water damage, theft, or sprinkler leakage. Everything else gets cut by 15%. 'Vacant' usually means less than 31% of the building is in customary use. Easy to drift into during a tenant turnover, a downsizing, or a slow rental market. Not flagged as an exclusion on any forms list.
The Coverage Enhancement With A Hidden Cap
Equipment breakdown enhancement endorsements, common across commercial property carriers. Reads on the cover as a coverage enhancement promising 150% reimbursement to upgrade equipment after a breakdown. Buried two pages later: a flat dollar cap (typically $25K to $100K) regardless of equipment cost, exclusions for production machinery and stock, and a clause stating it doesn't pay if the loss is already covered under any other section of the policy. For any agency writing risks with equipment over the cap, the headline doesn't match the math.
The Umbrella Exclusion No One Scrolls To
ISO form CX 21 12 04 13, Exclusion of Designated Ongoing Operations. Sits one or two endorsements deep on a policy that runs 30 to 100+ pages, after the declarations, the schedule of underlying insurance, and the forms list. The schedule lists specific operations the underwriter excluded from umbrella coverage, operations that vary by carrier and risk, but commonly include the exact exposures most likely to trigger a claim. The umbrella sitting on the agency's book doesn't drop down on the claim it was placed for.
CoverX AI flags these so your team sees them at renewal or prospect review, while there's still time to do something about it.
What the platform does
Three tools. Three problems your producers are already trying to solve. Built for the agency principal who wants their team's hours back and their E&O exposure down.
Every page reviewed. Nothing buried.
Upload the policy. The platform reads every page, including the back half of forms that don't announce themselves as exclusions. Surfaces buried warranties, restrictive endorsements, manuscript language, coinsurance triggers, and anti-concurrent causation. Output is ranked by severity with the language pulled verbatim. Your producer reviews the findings in minutes and signs off. The depth of review your team would do with unlimited time, inside the renewal window or the prospect timeline they actually have.
ISO and AAIS forms supported. Manuscript and E&S non-admitted forms supported.
Two carrier quotes, side by side, instantly.
Two carrier quotes, 10 to 20 pages each, with the limits, deductibles, premium, and forms lists scattered across different pages in different orders. CoverX AI brings both quotes into one clean view so the differences surface immediately, for your producer and for the client. Better recommendations, faster, with the receipts attached.
Property, GL, package, professional, and specialty lines supported.
Proposals drafted in your agency's voice.
The platform turns the analysis and the comparison into a proposal narrative. Coverage rationale, recommendation logic, and the language a principal would actually put in front of a client. Your team edits and signs off. Licensed agent always the final authority on what goes out the door.
White-label branding. Custom voice and tone per agency.
The workflow
Three moments in your agency's week.
CoverX AI is built for all three.
60 to 90 days before expiration.
Renewal Review
Your client's policy is up for renewal. Your producer needs to decide: stay with the carrier, remarket, or restructure. CoverX AI runs the policy in minutes. Your producer walks into the renewal conversation knowing exactly what's in it.
90 days before X-date.
Prospect Review
You're courting a prospect. Their incumbent policy lands on your producer's desk. CoverX AI finds what the incumbent didn't flag. Your producer walks into the prospect meeting with a sharper recommendation than the agent currently on the account.
Quotes back from carriers. Account won.
New Quoting
Two carrier quotes are in. Quote Comparison builds the side-by-side. Proposal Generator drafts the recommendation. Your producer goes back to the client with a polished proposal in a fraction of the time.
All three tools come with every plan. Your demo starts wherever the pressure is highest.
The math
Two ways the platform pays for itself. Either one is enough.
The catch.
Renewal and prospect review are when buried language gets caught or doesn't. CoverX AI gives your team the depth of review the renewal window or the prospect timeline can't otherwise accommodate, so your agency walks into renewal conversations and prospect meetings knowing exactly what's in the policy on the table.
The hours.
Even if every policy your team reviewed was clean, the platform still pays back in producer time. Quote comparisons in minutes instead of hours. Proposals drafted in your agency's voice instead of from scratch. The hours your producers were going to spend formatting work go back to writing new business.
What your team gets back. Across all three tools.
| Form review hours saved | 135 |
| Quote comparison hours saved | 45 |
| Proposal drafting hours saved | 45 |
| Total hours back to producing | 225 |
"Submissions" includes any time the platform runs on a policy, quote, or proposal. Renewal reviews, prospect reviews, and new quoting all count.
The Founders Program
50 agencies. Lifetime-locked pricing. Then it closes.
The platform costs less per month than the cost of one E&O event. And it pays back in producer hours every month even if it never catches a thing.
The first 25 agencies on the platform pay Founding25 pricing for the life of the account. Seats 26 through 50 pay Founding50. Every agency after seat 50 pays public pricing, which is the long-term price the platform defends. The cohort does not reopen.
Starter
3 users • 50/mo credits
$499/mo
Founding25
Founding50: $649/mo
Public: $897/mo
$499/mo. Less than most E&O deductibles.
Start Free TrialPro
5 users • 100/mo credits
$899/mo
Founding25
Founding50: $1,099/mo
Public: $1,500/mo
$899/mo. Less than the premium increase from one E&O claim.
Start Free TrialPremium
10 users • 350/mo credits
$2,499/mo
Founding25
Founding50: $3,249/mo
Public: $5,000/mo
$2,499/mo. Less than the all-in cost of one missed exposure.
Start Free TrialFounding seats are claimed in order. Your founding price applies automatically when you subscribe after the trial, as long as seats remain.
The standard
Built for Stan.
Stan is the standard.
Stan is the agency principal we built CoverX AI for. Knows the work cold, set the standard his team delivers on every account, refuses to lower it as the agency grew.
Stan has read more policies than most lawyers, watched his producers flip between two carrier quotes a thousand times, and edited more proposals than he can count. He knows what the work looks like, because he built the agency one account at a time. What he doesn't have, and never has, is the time to read every policy his agency handles, review every side-by-side his producers prepare, or draft every proposal in his agency's voice. No principal does. Neither do their producers. The math doesn't work.
Stan does not need a tool to teach him insurance. He needs a tool that handles the document volume his day can't accommodate, across the three workflows his agency already runs, so the standard he set when he opened the doors is the standard his agency delivers on every account.
Start your free trial
Tell us where you are. We'll get you set up.
Free trial first. No card required. If the platform earns the seat, the founding price locks at activation.
Why CoverX AI
Free Trial
No card required. Full access from day one.
Lifetime-locked pricing
Founding rate stays with your agency for life.
White-glove onboarding
We set up your workflows with you, not for you.
Licensed humans in control
The platform drafts. Your agents sign off.
Prefer a guided walkthrough? Book 15 minutes with us→
Only 50 founding seats. Limited availability.
FAQ
Questions agencies ask.
Straight answers on pricing, control, data handling, and what to expect during the trial.