# COVENANT UNDERWRITERS

> A tech\-forward specialty MGA redefining niche commercial insurance with custom policy language and a proprietary broker platform\.

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | NA |
| Headquarters | Houston, Texas, USA |
| Founded | 2018 |
| Stage | Growth |
| Employees | 11-50 |

## Overview

Covenant Underwriters is a specialty program administrator and MGA founded in 2018 that redefines commercial insurance for niche small commercial markets. Rather than relying on standard forms and traditional processes, Covenant develops custom policy language and proprietary technology tailored to the unique risk profiles of each industry it serves.

The company concentrates on excess and surplus (E&S) lines for retail insurance brokers, operating in 48 states with primary concentration in Texas, the Southeast, and the Midwest. Its broker-centric philosophy drives all product and technology decisions: the Risk Manager platform was purpose-built to give retail brokers a fast, uncomplicated quote-to-bind experience.

Since 2021, Covenant has operated as a member of the Accelerant Risk Exchange, which provides capacity backing. The company also integrates Moody's RMS catastrophe analytics into its underwriting process for data-driven risk assessment.

## Products & services

### Limited\-Service Hotel Program

Commercial package policy with custom multi-line coverage designed specifically for small hotel operators.

**Key features:**

- General liability
- Commercial property
- Cyber liability
- Custom policy language tailored to hospitality risks

*Target users:* Small hotel owners and operators \(limited\-service segment\)

*Distribution:* Retail insurance brokers via the Risk Manager portal

### Convenience Store with Gas Station Program

Specialty commercial package combining multi-peril coverage for fuel retailers. Launched in 2022 and migrated to the Risk Manager platform in the same year.

**Key features:**

- Multi\-peril commercial package
- Coverage tailored to fuel retail and gas station risks
- Custom policy language for the c\-store segment

*Target users:* Convenience store operators with gas stations

*Distribution:* Retail insurance brokers via the Risk Manager portal

### Risk Manager Platform

Proprietary e-commerce underwriting and distribution platform providing retail brokers with a streamlined quote-to-bind experience.

**Key features:**

- Self\-service broker portal for quoting and binding
- Data\-driven underwriting decisions
- Plans for AI/ML enrichment for big data and underwriter insights

*Target users:* Retail insurance brokers placing specialty small commercial coverage

*Distribution:* Direct access for appointed retail brokers

## Links

- Website: <https://covenantunderwriters.com>
- Directory profile: <https://insurtechlist.com/companies/covenant-underwriters/>
- Linkedin: <https://www.linkedin.com/company/covenantuw>
- Crunchbase: <https://www.crunchbase.com/organization/covenant-underwriters>
- Press/news: <https://covenantunderwriters.com/news/>
- Agent portal: <https://portal.covenantunderwriters.com>

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*Last updated: 2026\-06\-03*