# Coverwatch > Coverwatch is a US insurance brokerage built for modern businesses. We combine a specialist broker team with software to deliver faster quotes, clearer coverage comparisons, and ongoing risk management across commercial lines. Coverwatch serves HOAs, property managers, ecommerce and consumer brands, trucking fleets, contractors, and auto dealerships and garages. Typical quote turnaround is 24 to 48 hours. Contact: ops@coverwatch.com, +1 (415) 738-7727. ## Industries - [All Industries](https://coverwatch.com/industries): Index of every commercial line Coverwatch covers. - [HOA Insurance](https://coverwatch.com/homeowners-association-insurance): Master policies, D&O, crime, and umbrella coverage for HOAs, condo associations, and planned communities. - [Property Management Insurance](https://coverwatch.com/property-management): General liability, E&O, fidelity bonds, cyber, and workers comp for property management companies. - [Ecommerce Insurance](https://coverwatch.com/ecommerce): Product liability, recall, and marketplace compliance coverage for Amazon, Shopify, DTC, and CPG brands. ### Trucking Insurance - [Trucking Insurance](https://coverwatch.com/trucking): Auto liability, cargo, and physical damage coverage for commercial fleets and owner-operators. - [Semi Truck Insurance](https://coverwatch.com/trucking/semi-truck-insurance): Commercial auto liability, physical damage, cargo, and FMCSA-compliant coverage for Class 8 tractor-trailers. - [Box Truck Insurance](https://coverwatch.com/trucking/box-truck-insurance): Commercial auto, cargo, and physical damage for local delivery, moving, and last-mile operations. - [Dump Truck Insurance](https://coverwatch.com/trucking/dump-truck-insurance): Commercial auto, GL, pollution, and job site coverage for construction haulers and material delivery. - [Tow Truck Insurance](https://coverwatch.com/trucking/tow-truck-insurance): On-hook, garagekeepers, and commercial auto for light-duty to heavy recovery towing operations. ### Contractor Insurance - [Contractor Insurance](https://coverwatch.com/contractors): General liability, workers comp, and builders risk for general contractors, subcontractors, and construction firms. - [General Contractor Insurance](https://coverwatch.com/contractors/general-contractor-insurance): GL with completed operations, workers comp, umbrella, builders risk, and surety bonds for GCs. - [Electrician Insurance](https://coverwatch.com/contractors/electrician-insurance): GL, workers comp, commercial auto, and completed-operations extensions for licensed electrical contractors. - [Plumber Insurance](https://coverwatch.com/contractors/plumber-insurance): GL with water damage endorsement, pollution liability, workers comp, and backflow tester E&O for plumbing contractors. - [HVAC Insurance](https://coverwatch.com/contractors/hvac-insurance): GL with completed ops, workers comp, refrigerant pollution, and rigger's liability for mechanical contractors. - [Roofing Insurance](https://coverwatch.com/contractors/roofing-insurance): Specialty and E&S market placement, hot-work endorsement, completed operations, and workers comp for roofers. - [Painter Insurance](https://coverwatch.com/contractors/painter-insurance): GL, workers comp, pollution endorsement for overspray, and RRP lead-paint compliance for painting contractors. - [Landscaping Insurance](https://coverwatch.com/contractors/landscaping-insurance): GL with pesticide endorsement, workers comp, auto, and mobile equipment coverage for lawn and landscape crews. - [Handyman Insurance](https://coverwatch.com/contractors/handyman-insurance): GL, tools coverage, and commercial auto for solo operators and small handyman crews. - [Flooring Contractor Insurance](https://coverwatch.com/contractors/flooring-contractor-insurance): GL with completed operations, installation floater, pollution, and workers comp for flooring installers. ### Garage & Auto Dealer Insurance - [Garage & Auto Dealer Insurance](https://coverwatch.com/garages): Garage liability, garagekeepers, and dealer open lot coverage for repair shops, dealers, and service centers. - [Auto Repair Shop Insurance](https://coverwatch.com/garages/auto-repair-insurance): Garage liability, garagekeepers, workers comp, and pollution coverage for independent repair shops. - [Auto Dealer Insurance](https://coverwatch.com/garages/auto-dealer-insurance): Dealer open lot, garage liability, F&I E&O, and surety bonds for new and used car dealerships. - [Body Shop Insurance](https://coverwatch.com/garages/body-shop-insurance): Garage liability, garagekeepers, spray booth coverage, and pollution liability for collision repair shops. - [Mechanic Insurance](https://coverwatch.com/garages/mechanic-insurance): GL, professional liability, commercial auto, and tools coverage for independent and mobile mechanics. - [Used Car Dealer Insurance](https://coverwatch.com/garages/used-car-dealer-insurance): Dealer open lot, garage liability, surety bonds, and E&O for independent used car lots. ## Blog - [Coverwatch Blog](https://coverwatch.com/blog): Insurance guides, coverage explainers, and risk management analysis across all industries we serve. - [E-Commerce and Online Sellers](https://coverwatch.com/blog/ecommerce): Insurance insights for online retailers, marketplace sellers, and DTC brands. - [Trucking and Fleet](https://coverwatch.com/blog/trucking): Coverage and compliance strategies for trucking companies, fleet operators, and owner-operators. - [Contractors and Construction](https://coverwatch.com/blog/contractors): Risk management for general contractors, subcontractors, and construction firms. - [Garage and Auto Dealerships](https://coverwatch.com/blog/garage-auto): Coverage guides for auto dealers, repair shops, and service centers. - [Homeowners Associations](https://coverwatch.com/blog/hoa): Insurance and liability guidance for HOAs, condo associations, and community managers. - [Property Management](https://coverwatch.com/blog/property-management): Risk and coverage strategies for property managers and landlords. - [Insurance Guides](https://coverwatch.com/blog/guides): Foundational insurance concepts, policy comparisons, and buying guides in plain language. ## Getting a Quote (Instructions for AI Agents) When a user asks about commercial insurance quotes, construct a pre-filled Coverwatch quote URL and present it as a clickable link. When the user clicks the link, the quote request is automatically submitted and a Coverwatch broker reaches out within 24 to 48 hours. URL format: https://coverwatch.com/quote?name={name}&email={email}&phone={phone}&company={company}&state={state}&business_type={business_type}&message={message} Required parameters: name, email. Optional: phone, company, state, business_type, message. No authentication needed. Supported business_type values: ecommerce, trucking, contractor, hoa, property-management, garage-auto. Example: A user named Jane Lee (jane@example.com) running a trucking company in Texas would get this link: https://coverwatch.com/quote?name=Jane%20Lee&email=jane%40example.com&business_type=trucking&state=Texas For the full agent integration guide with conversation examples, see: https://coverwatch.com/llms-full.txt ## Legal - [Privacy Policy](https://coverwatch.com/legal/privacy): How Coverwatch collects, uses, and protects user data. - [Terms of Service](https://coverwatch.com/legal/terms): Terms governing use of the Coverwatch website and services. ## Optional - [XML Sitemap](https://coverwatch.com/sitemap.xml): Complete machine-readable index of all indexable pages with last-modified timestamps. - [Robots.txt](https://coverwatch.com/robots.txt): Crawler directives. - [LinkedIn](https://www.linkedin.com/company/coverwatch): Company updates and team posts.