Contract requirements
This specimen makes certificate holders additional insureds only if it’s endorsed (CG 20 10). A client contract that requires that wording wouldn’t be met by the base form.
Built by a licensed California insurance agency preliminary AI screen
The free second opinion on your insurance.
Find the gaps before they cost you. Understand what you have, what may be missing, and what deserves a closer look — then review your plain-English Coverage Brief with a licensed broker.
- CA licensedBollinsure · DOI #0D94699
- Licensed reviewavailable before you act
- Broad market accesssubject to carrier underwriting
- Free to startno login or card required
CovWell Assistant
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More ways CovWell can help
Confirm the AI disclosure before sending a message or document.
You’re chatting with AI. General information only, not insurance advice — send the findings to a licensed California broker for review before you act. Health & medical documents go to a person, never the AI.
Your email is never sold Response timing confirmed after submission
Sample Coverage Brief
One preliminary brief. The fine print, translated into review items.
Water & sewer backup
Section IV excludes water that backs up through sewers or drains unless the Water Backup endorsement is shown in the Declarations — so the dec page is the first place to check.
Underinsured drivers
Part C ties UM/UIM to the Declarations and warns the limits can sit well below the liability limits chosen at issue — worth confirming the actual number.
3 findings flagged — send them to a licensed broker before you act.
Sample screening and page references for illustration — send any real screening to a licensed broker for review before you act. General information, not insurance advice.
Not stuck with one company
One conversation. Broad carrier-market access — you’re not stuck with one company’s answer.
Representative commercial markets, not a complete or guaranteed list. Current relationship, availability, and fit are confirmed for each submission and remain subject to underwriting.
How it works
Three steps. One of them is human.
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01
Tell us what you’ve got
No forms, no jargon. “I run a café with eight employees” or “a house and two cars in Thousand Oaks” is enough to start. The AI asks one smart question at most.
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02
See what’s worth a closer look
In seconds you get plain-English findings — gaps, overlaps, and contract requirements worth reviewing — ranked by urgency. It isn’t guessing from the open web: it works from a playbook our licensed brokers wrote.
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03
Send it for licensed review
Choose to share the findings with a California broker who can review them with you and help address what matters — backed by a family-run agency. Nothing is bound or changed by the AI.
Who owns your answer
Your coverage decisions belong with a licensed broker. AI helps with the reading.
CovWell is built by Bollinsure Insurance Services — a family-run California agency. The AI has one job — reading policies and contracts and flagging what’s worth reviewing — and it does it from a playbook our own licensed brokers wrote: internal market notes and the coverage gaps its brokers see in practice. It is not licensed, and it doesn’t pretend to be. You can send the screening to a real broker whose name and license number you can check.
Upload your policy right in the chat below — a PDF or a clear photo — or email it. A licensed advisor will confirm expected response timing after submission.
Human
Any recommendation comes from a licensed California producer, not the AI.
Broad
Carrier-market access through one family agency, subject to underwriting
California
Insurance services through a California-licensed agency
Family-run
Named California-licensed producers
Direct
Response timing confirmed after submission
Bollinsure Insurance Services · CA DOI Lic. #0D94699
Aaron Bollinger · CA Lic. #4345268
Brian Bollinger · CA Lic. #6013787
Verify any license at insurance.ca.gov
Your upload, handled carefully
Sharing a policy is safe — and private by design.
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Read, not stored
Your document is processed in memory to generate the review — it is not saved by the CovWell app.
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Health & benefits never touch the AI
Medical, health, or benefits documents are routed only to licensed staff — a gate blocks them before any AI sees them.
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Not used to train AI
Processing runs on Google’s and Anthropic’s models; your document isn’t sold and isn’t used to train third-party models.
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Encrypted & licensed review
Sent over encrypted HTTPS, protected from bots; a licensed California broker reviews it with you before you act.
General information only — not insurance advice. Read our full AI data practices & privacy →
Client review
A real second opinion
When my provider canceled my homeowner’s policy over fire risk, they worked hard to find another provider and avoid the dreaded California FAIR Plan — which would have been far more expensive. The new policy is actually cheaper than the one that was canceled.
— Valued insured · a California homeowner
On Google
What clients say about our agency.
Reviews of Bollinsure Insurance Services — the licensed California agency behind CovWell — from its public Google Business Profile.
Shown as provided by Google — not edited or reordered by us. Leave us a review · verify our licenses at insurance.ca.gov.
Questions
Fair questions, straight answers.
Is this insurance advice?
No. The AI provides general information only — it flags topics worth reviewing. Coverage is determined solely by policy terms and the issuing carrier. Send the findings to a licensed California broker for review before you act.
What does it cost?
Nothing. The screener is free to use with no obligation. If you choose to work with Bollinsure, the agency is compensated by carriers the way independent agencies normally are — the full breakdown is on our How we’re paid page.
What happens with my email?
It goes to the licensed brokers at Bollinsure so a human can follow up on your screening. No newsletters you didn’t ask for, no selling your data.
What can it screen?
Business coverage (general liability, workers’ comp, cyber, E&O, EPLI, commercial auto and property, BOPs), home and rental property, personal auto and umbrella, and life & disability — plus group health & benefits for California employers. If it’s something else, just ask: the assistant answers every line and a licensed broker picks it up from there. Health and medical documents are always handled by a human, never by the AI.
I got a non-renewal notice — can you help?
Yes, and sooner is better — the notice has an end date, and acting well before it keeps your options open. The assistant explains what the notice means, then you can ask a licensed broker to map current alternatives — including the California FAIR Plan plus a companion policy when that’s the honest path. Use the “Handle a non-renewal” option in the assistant, or call 562-COVWELL.
Is the AI making decisions about my coverage?
No. The AI reads and flags; licensed humans advise and decide with you. Nothing is bound, changed, or recommended until a licensed broker has personally reviewed it.
What AI is this, and who sees my data?
Responses are generated by third-party AI models — Google (Gemini on Vertex AI) and Anthropic (Claude). Uploaded documents are also read by Google Document AI and de-identified by Google Cloud Sensitive Data Protection before analysis. All of it works from a playbook written by Bollinsure’s licensed brokers: internal market notes, common coverage gaps, and California-specific triage. Your chats are not used to train them, are never sold, and by default aren’t retained with your contact record — and documents you flag as health or medical are handled by a person, never the AI. Full details in our Privacy policy.
Ten minutes now beats a denied claim later.
Run the screening and choose licensed review, or skip straight to a human — either path can get a broker looking at what you’ve actually got.