The broker that reads your contract before you sign it. And keeps you compliant all year, in one workspace.
Cited to the clause. Reviewed by a person. Back within one business day.
Three checks for the moments that cost businesses the most. Each one is cited to the source, reviewed by a person and returned to a published standard. Keep your broker. There is nothing to buy.
Send a lease, subcontract or client agreement with your policies. Every insurance requirement is cited to its clause and checked against your policy wording. Our standard is a result within one business day.
Get a free contract checkSend your workers’ comp audit and payroll records. We reconcile payroll, class codes and subcontractors and show every difference with its evidence. Our standard is a result within three business days.
Get a free audit reviewSend your renewal and your expiring policy. Every change in premium, limits, deductibles and exclusions is explained line by line. Our standard is a result within three business days.
Get a renewal second opinion
A certificate due tomorrow, a lease to sign, a claim to organize or a license filing to renew.
Insurance work does not end when a policy is issued. Every contract, request and renewal moves toward a confirmed outcome, with a person accountable at each step.
Forward the lease, subcontract or client agreement, with the policies you hold today from any broker.
Each insurance clause is cited to its page and set against what your policies say, line by line.
Each missing endorsement, short limit or wrong named insured comes with the exact request to make. SF Coverage sends it to the insurer and follows up until issued.
Every policy, certificate and renewal date sits in the free workspace. Certificates go out against the policy in force and renewal starts 90 days ahead.
Most brokers promise good service. We write ours down and measure every request against them.
Every insurance clause is cited and set against your actual policy wording, with the exact missing endorsement named.
A compliant certificate the same business day when the request arrives by 3 pm Pacific and the policy supports it. A certificate never shows an endorsement that is not on file.
Requests go to the insurer the same business day and are followed up every two business days until the form is in your file.
Renewal starts 90 days out. Every change is explained within two business days of the insurer’s terms arriving.
A first response from a person within one business hour, 8 am to 6 pm Pacific, Monday to Friday. Every request shows its owner and next step.
Your workers’ comp audit is reconciled to your own payroll and subcontractor records, with the dispute deadline tracked.
Our commission is shown as a rate and in dollars on every proposal before you decide. We add no broker fees.
Your whole program sits in one workspace, whoever placed it, before you move anything to us.
A claim file opens the day you call, with every contact, document and deadline logged until the insurer decides.
Submitted, quoted, selected, bound and documents received are separate states. Nothing is called coverage until the insurer confirms it.
Most of the time spent on business insurance is reading, matching and chasing. Software does that work in minutes, so people can spend their time on the decisions that matter.
The lowest price is not always the best policy. SF Coverage lays out every quote against your contracts, your operations and your current cover.
We are paid by commission from the insurer, like most brokers. Unlike most brokers, every proposal shows that commission as a rate and in dollars, next to every insurer, wholesaler and state charge. We add no broker fees.
How we are paid
A request is complete only when the action is confirmed in writing, or when you have a clear exception and the name of the person resolving it.
A compliant certificate the same business day when the request arrives by 3 pm Pacific and the policy already supports it.
Additional insured, waiver and primary wording requested from the insurer the same business day and followed up every two business days until issued.
Renewal starts 90 days out, and every change in premium, limits or exclusions is explained within two business days of terms arriving.
Workers’ comp audits reconciled to your payroll and subcontractor records, with the dispute deadline tracked.
Help reporting the loss, an organized evidence file and follow up with the adjuster until a decision. The insurer decides coverage.
One accountable person for your account, with every open request showing its owner and next step.
AI reads, matches and tracks. It never creates coverage and never gives advice.
AI extracts every clause, limit and endorsement with a citation to its source. Free checks are general information. Recommendations and policy changes are made by a person.
When a document conflicts or an insurer has not confirmed, the record says so.
Response times, certificate times and renewal timing are published, measured and reported.
Records are confidential. They are never pooled, sold or used to train models, and leaving takes one export.
Restaurants with leases, cleaning companies with building contracts, tech firms with client agreements, manufacturers with retailer terms and contractors with subcontracts. Each has its own requirements, and we keep them separate.
Agencies, consultancies, accountants, staffing and technology firms.
Restaurants, retail, ecommerce, hospitality, venues and auto services.
Practices, veterinary care, childcare, education providers and nonprofits.
Manufacturing, food production, property owners, energy and environmental services.
Logistics, fleets, warehousing, maritime and other specialist operations.
HVAC, plumbing, electrical, landscaping and other field service businesses.
The software and reviewers behind our free checks also complete work for the industry, priced per completed job, per audit or on contingency.
Certificates, endorsements, policy checking and renewal prep, completed in your systems under your authority.
Talk to salesRemote premium audits and subrogation recovery with live file status and published turnaround standards.
Talk to salesInsurance files hold payroll, claims and contracts. These commitments apply to every record.
People and systems see only the records their task requires, with access reviewed and removable at any time.
Every change to a document or request records who made it, when and from which source.
Customer records are confidential operating data. They are never pooled, sold or used to train models.
Export every record at any time. Leaving the workspace never cancels or changes a policy.
The contract check, audit review, renewal second opinion and workspace cost nothing and need no switch.
Commission from the insurer on policies we place, shown on every proposal before you decide.
We add no broker fees. Insurer, wholesaler and state charges are shown line by line.
Guides to compulsory covers, policy language and licensing in six countries. Brokerage starts in the United States and expands country by country.
Country guides
United StatesWorkers’ comp by state, certificates for every contract
United KingdomCompulsory employers’ liability, FCA regulated brokers
CanadaProvincial boards for injury, CGL for third party claims
AustraliaState workers’ comp, a 1 July financial year, ASIC licensing
IrelandCentral Bank regulation, tender ready liability limits
New ZealandACC covers injury, statutory liability covers regulatory breachesSF Coverage is an AI-native commercial insurance broker for US businesses of every size that sign contracts, leases and client agreements with insurance clauses. It reads every contract and policy, cites each requirement to its source and runs certificates, endorsements and renewals to published standards. Contract checks, workers’ comp audit reviews, renewal second opinions and the workspace are free.
A contract, lease or client agreement and the policies you hold, from any broker. Every insurance requirement is cited to its clause and checked against your policy wording within one business day. You can also book a demo and see the workspace run on your own policies.
A free contract check reads a lease, subcontract or client agreement against the policies you hold today. Every insurance requirement is cited to its clause and marked met, gap or not evidenced against your policy wording. Our standard is a result within one business day. It is general information to help you ask the right questions before you sign.
Businesses of every size across 28 business types, from restaurants, retailers and tech firms to cleaning companies, property managers, manufacturers, trucking companies and contractors. If you sign leases or client agreements with insurance clauses, send certificates or face audits and renewals, it is built for you. We serve businesses across the United States.
By commission from the insurer on policies we place, like most brokers. The difference is that every proposal shows our commission as a rate and in dollars before you decide, next to any insurer, wholesaler or state charge. We add no broker fees. The contract check, audit review, renewal second opinion and workspace are free.
Every certificate is checked against the policy in force before it goes to the holder. Requests that arrive by 3 pm Pacific are checked the same business day, and our standard is a compliant certificate that day when the policy supports it. Missing endorsements are requested from the insurer the same day and followed up every two business days.
Renewal starts 90 days before expiry. We confirm changes in payroll, revenue, vehicles and locations, approach suitable insurers and show every response. Each change in premium, limits, deductibles and exclusions is explained within two business days of terms arriving. If another broker holds the account, send the renewal with your expiring policy for a free second opinion within three business days.
Our standard is a first response from a person within one business hour, 8 am to 6 pm Pacific, Monday to Friday. Every request in the workspace shows its owner, its status and the next step. Requests waiting on an insurer show who we asked, when we asked and when we follow up next.
Yes. Add any policy from any insurer or broker and the workspace reads it, cites each limit and endorsement to its page and tracks every renewal date. Your whole program sits in one record before you move anything to us. Every certificate request on those policies is checked against the wording on file.
Your records are confidential operating data. They are never sold, never pooled with other customers and never used to train AI models. Access is limited to the people working on your request and every change is logged. You can export everything at any time, and leaving the workspace never cancels or changes a policy.
In a 30 minute demo we read it against your policies, show the workspace with your own documents and leave you with a free contract check.
