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COVIE

API infrastructure for real-time insurance data access -- the connectivity layer between applications and insurance carriers.

Insurtech Infrastructure Growth Acquired (seed-funded; acquired by TheGuarantors, March 2025)
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Overview

Covie is an insurance technology company founded in 2020 that provides API infrastructure connecting businesses and applications to insurance policy data in real time, directly from issuing carriers. Often described as "Plaid for insurance," Covie's platform enables third-party applications to retrieve, validate, and monitor insurance policy records without manual processes or document uploads.

The company graduated from Y Combinator and raised approximately USD 4.2-4.7 million in seed funding from investors including Maschmeyer Group Ventures, MS&AD Ventures, New Stack Ventures, PEAK6 Investments, Sovereign's Capital, and TI Platform Management. In March 2025, TheGuarantors acquired Covie's insurance verification technology to power its Zero-Gap Renters Insurance solution, with co-founder and CEO Trent Harvey joining as a strategic advisor.

Covie's API supports use cases including insurance verification, policy monitoring, compliance management, and insurance distribution -- addressing the fragmented, manual processes that have historically made insurance data difficult to access programmatically.

Products & Services

Access API

Retrieves policy limits and coverage details directly from supported insurance carriers in real time, enabling applications to verify current coverage without manual document uploads or phone verification. Supports carriers including GEICO, State Farm, Progressive, Lemonade, Liberty Mutual, and Deans & Homer.

Key Features

  • Direct carrier connectivity for live policy data retrieval
  • JSON responses via RESTful API
  • Coverage expanding to 90%+ of insurance providers post-acquisition

Target Users: Fintech developers, property managers, lenders, compliance platforms

Monitor

Sends notifications when policy status, limits, or coverage changes occur, enabling continuous compliance monitoring and risk tracking throughout a policy lifecycle.

Key Features

  • Real-time alerts on policy cancellations, lapses, and coverage changes
  • Continuous monitoring without periodic manual checks
  • Event-driven architecture for downstream workflow automation

Target Users: Property managers, lenders, fleet operators, compliance platforms

Policy Verification

Automated certificate of insurance and coverage verification for businesses requiring proof of active insurance.

Key Features

  • Certificate of insurance retrieval and validation
  • Automated compliance confirmation for vendors, contractors, and tenants
  • Addresses the "40% mid-lease cancellation gap" in renter insurance compliance

Target Users: Property managers, landlords, commercial real estate operators

Distribution Tooling

Programmatic building blocks for embedding insurance data and transactions into financial services, SaaS applications, and property management platforms.

Key Features

  • Embeddable insurance data components
  • Integration-ready for fintech and SaaS applications
  • Supports insurance distribution without a carrier license

Target Users: Fintech companies, SaaS platforms embedding insurance capabilities

Fabric

Forthcoming product noted as "coming soon" on the company website.

At a Glance

Founded
2020
Headquarters
Austin, Texas, USA
Employees
11-50
Funding
Acquired (seed-funded; acquired by TheGuarantors, March 2025)

Category & Focus

Category
Insurtech Infrastructure
Subcategories
Insurance API Platform Policy Data Access Insurance Verification
Insurance Verticals
P&C Personal P&C Commercial Specialty/E&S
Target Customers
Carriers, Brokers, MGAs/MGUs, Agents/Agencies, Consumers

Customers

  • TheGuarantors (acquirer; powers Zero-Gap Renters Insurance solution)

Links

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Last updated: 2026-04-09