Built for specialty MGAs
Coverline reads the submission, checks it against your appetite, reconciles what conflicts, and hands your underwriter a complete, cited first-pass workpaper.
No credit card · Use your own real submissions · We configure your starter appetite and get you live within 5 business days
0 MGA underwriting teams in production. Not pilots.
·SOC 2 Type I · Customer data never used to train models
Complete workpaper · Every material finding source-cited
Human approval required
RESOLVING SUBMISSION…
—
Exposure & evidence
Appetite match
11 of 12 rules — 0%
Recommendation: Request Info — referral required
Flags
Coverline did not choose one value.
Confirm before quoting. Recommended action: obtain current vehicle and driver schedules before binding.
Underwriter action
Every citation is live. Click a figure → exact source page and section. Product interface. De-identified sample account.
Production proof
0 MGA underwriting teams in production. Not pilots.
Amwins Underwriting
NSM Insurance Group
Victor Canada
Victor Canada — Ottawa, Ontario
APRIL Canada Insurance
Tango Specialty Insurance Services
Coverline runs inside individual underwriting divisions and programs, not group-wide.
“Before Coverline, our underwriters spent too much time assembling submissions before they could evaluate them. Now the exposure information is structured, the source documents are connected to the extracted data, and we can see what needs attention immediately. It has changed the first thirty minutes of our underwriting process.”
Advisors
The cost of a slow queue
Submissions arrive faster than the team can read them. The ones that look like too much work sink to the bottom. None of it shows up as a loss — it shows up as premium you never wrote.
0%
of submissions received no substantive response within five business days.
Measured across 3,600 submissions at twenty MGA underwriting teams, January–June 2026, before Coverline. A substantive response means a quote, a decline, or a specific information request; automated acknowledgements and non-submission threads excluded.
1 in 8 submissions never got an underwriting answer. On a 2,400-submission book, that's 288 accounts a year. The $1.4M GWP Illustrative figure is illustrative, based on stated quote-to-bind and average-premium assumptions — it is not a measured customer result.
Illustrative economics →Trust moment
Interactive⚠ Exposure discrepancy detected
Coverline did not choose one value.
It surfaced the conflict, cited both sources, and put it in front of an underwriter.
Recommended action: Obtain current vehicle and driver schedules before binding.
Hover, tap or focus either value to see what Coverline does with a conflict.
How Coverline works
Read
Submission mailbox, applications, loss runs, financials, schedules, renewals and inspections.
Check
Appetite rules, class, territory, capacity, loss thresholds, referral triggers and prior-term records where available.
Explain
Every material finding linked to its document, page and section.
Decide
Underwriter approves, edits, requests information or overrides; every override logged.
Today
With Coverline
The workpaper
This is what your underwriter receives. Not a risk score and not a summary. A workpaper they can act on, defend to a senior underwriter, and produce during a carrier audit — with every figure traceable to the document it came from.
RESOLVING SUBMISSION…
—
Exposure & evidence
Appetite match
11 of 12 rules — 0%
Recommendation: Request Info — referral required
Flags
Coverline did not choose one value.
Confirm before quoting. Recommended action: obtain current vehicle and driver schedules before binding.
Underwriter action
Every citation is live. Click a figure → exact source page and section. Product interface. De-identified sample account.
Evidence states
Source unambiguous.
Conflict or low confidence; both sources shown.
Left blank and added to the missing-information request.
Coverline does not infer, estimate or guess a value it cannot cite.
“What gives us confidence is that it doesn't pretend the system knows everything. When two documents disagree, it shows us the conflict. When something requires judgment, it puts it in front of the underwriter. We get the efficiency without losing control of the decision.”
Workflows
The bordereau nobody wants to compile.
Coverline assembles it from decisions it already recorded. Every policy it triaged, bound and endorsed is already in the record, cited and reconciled against the decision that produced it.
All ten included at every seat. Nothing to buy again later.
See all ten workflows →The benchmark
Your guidelines become the rules. Your past decisions become the answer key.
01Sign up + send guidelines
Two minutes to create an account. Upload underwriting guidelines as PDF, Word, spreadsheet or working document. Messy is fine.
02We configure
Our team encodes classes, limits, loss thresholds and referral triggers within 5 business days.
03Run real submissions
Up to 25 submissions your team has already decided.
04Measure agreement + exceptions
Compare Coverline against your team's decisions. Investigate where it agrees and where it differs.
Your book. Your appetite. Your answer key.
Setup timeline
Pricing
$0
per underwriting seat / month
Seat pricing
| 3 seats | $1,497/month |
| 6 seats | $2,994/month |
| 10 seats | $4,990/month |
No PAS required. Forward your submission mailbox and go.
Built for
Lines
Commercial property · General liability · Commercial auto/trucking · Inland marine · Excess/umbrella · Professional liability · Management liability · Workers' compensation · Contractors/artisan trades · Habitational/real estate
Writing a class not listed? Tell us the class and we'll confirm fit before you start.
Live today: Microsoft 365 · Google Workspace · Google Sheets · Excel · Vertafore AIM · Applied Epic · Novidea · Nexsure · ImageRight · Salesforce · HubSpot. Additional MGA management platforms in development.
Personal-lines direct-to-consumer at volume with straight-through processing · Retail brokers placing business rather than underwriting it · Carriers running enterprise underwriting workbenches · Low submission volume where the economics may not work. We'd rather tell you honestly when Coverline isn't the right fit.
Security
SoluLab engineering organisation: ISO 27001 certified · CMMI Level 3 appraised
Security & audit pack →Results
$40M GWP specialty MGA · Transportation and casualty · US Midwest
78 min → 31 min
Submission preparation
77% reduction
Manual data extraction
68% faster
Missing-information identification
Aggregate across Coverline deployments, not attributed to a single customer.
How underwriting teams describe the change in their own words.
Your assumptions
Model output — illustrative
Additional GWP
$855,360
Additional commission
$128,304
FTE recovered
1.04
Starting model on a 2,400-submission book. Every assumption is editable. Model-derived figures are illustrative.
Get started
Send your underwriting guidelines and connect a forwarding rule on your submission mailbox. Within 5 business days you'll see Coverline work up your own submissions — and you can measure it against decisions your team already made.
FAQ
14 days from go-live, up to 25 of your own submissions at no charge and against no allowance, all ten workflows, plus starter appetite configuration.
Concierge-assisted. Our team configures your starter appetite within 5 business days, then you run submissions yourself.
Compare about 25 submissions your team has already decided; roughly a couple of hours of underwriting-manager time depending on complexity.
No card on file.
Configuration carries over if you continue. Otherwise data is deleted and a certificate of deletion is issued.