The vision for CoverMyNiche didn't come from a boardroom or a business plan. It came from sitting at a trade show in 2018, listening to yet another vendor promise agencies they could "write more business." And that's when it hit me: everyone was focused on new business acquisition, but nobody was helping agents maximize the gold mine they already had—their existing customer relationships.
"Agencies spend years building customer databases, but they're not mining them for opportunity. They're leaving money on the table while chasing the next new policy. I knew there had to be a better way."
With extensive experience on both the carrier and agency side, I've seen the industry from every angle. I've sat in producer offices looking at their kids' pictures, understanding their goals. I've worked renewals, analyzed SIC codes, and helped build playbooks. And throughout it all, I kept seeing the same pattern: agents were becoming order-takers for generic business instead of building specialized expertise and leveraging their existing relationships.
The generic business approach is a race to the bottom—it's competitive, underpriced, and requires having "the carrier of the month" to win. But niche business? That's where agencies become experts. That's where they build sustainable competitive advantages. And most importantly, that's where they can serve markets that traditional carriers won't touch.
So I set out to build something different: a technology platform that helps agents become niche specialists while simultaneously giving them the tools to monetize their existing customer base 24/7—even while they sleep. A platform where agents can offer ancillary products to current clients through instant quote-and-bind technology, transforming one-time transactions into lifetime value relationships.