A Risk Management Team
In-house expert advice with flat fees
Consumer Brand Risk Management
The Risk Management Solution ForAmbitious Brands
Fast-growing consumer brands regularly uncover $100K-$300K in annual savings while improving protection. We audit your policies for free without notifying your broker.
Built for Consumer Brands
Policy analysis, benchmarking, claims support, and specialist advisory in one risk management model.
Common savings range
$100K-$300K
Trusted By Great Companies
A Risk Management Plan
Protect your business & reduce risk
One Digital Platform
Manage all your policies in one place
Consumer Brands pain points
The risks your broker
should already be naming
Fast-growing consumer brands add product lines, warehouses, retailers, vendors, and international exposure quickly. Premiums can rise while coverage still lags behind the business.
01
Growth changes the risk profile
Revenue can double while insurance complexity triples. Product liability, recall, inventory, cargo, and vendor contracts all need to move together.
02
Under-covered while overpaying
A higher premium does not automatically mean better protection. We audit gaps and benchmark carrier competition before you commit.
03
Broker sensitivity
We can review policies without notifying your current broker, giving your team a clean second view before making decisions.
Traditional broker vs WithCoverage
The gap should be obvious
after the first conversation
For Consumer Brands, risk doesn't wait for renewal season. Without proactive risk management, issues slip through the cracks, leaving companies underinsured, overpaying, or often both.
Traditional broker
Uses generic renewal processes for product businesses with specialized risk.
Limits market competition and leaves teams unsure where coverage is weak.
Makes it hard to audit coverage without creating broker friction.
WithCoverage
Combines consumer-products underwriting expertise with AI-backed policy analysis.
Benchmarks coverage and carrier appetite before your renewal path narrows.
Gives operators one platform for policies, COIs, claims, applications, and renewals.
BUILT FOR Consumer Brands
Same platform and team.
Deep Consumer Brands expertise.
We actually understand your risks because we've been on your side of the table. Product liability, recall, inventory, cargo, cyber, and vendor requirements: one team handles all of it, and stays with you at every step.
Consumer-products expertise
Review product liability, recall, property, cargo, EPLI, cyber, and vendor requirements with specialists who know the category.
Carrier competition
Pressure-test the renewal against a broader market view instead of relying on a single broker recommendation.
Quiet policy audit
Get a second view of current coverage without notifying the incumbent broker.
Expertise areas for Consumer Brands
Product LiabilityRecallProperty and InventoryCargoEPLICyber+ More
HOW IT WORKS
A proactive plan built
before you commit
We analyze your current program, build a risk plan around your business, then manage it with you year-round. The first two steps are on us before any agreement or cost, so you see the value before you decide.
01
Analyze the current program
We review policies, renewals, claims, certificates, contracts, and business context to identify gaps and market opportunities.
02
Build a proactive risk plan
Your team gets a clear plan for coverage, pricing, operational risk, and the decisions that should happen before renewal.
03
Manage risk year-round
WithCoverage supports policies, COIs, claims, renewals, benchmarking, and ongoing advisory in one operating model.
Why Businesses Trust Us
"We switched from a large traditional brokerage to WithCoverage because of their expertise supporting a fast growing snack brand like Chomps. They identified and addressed key gaps in our insurance, and act as a true extension of our team. Their team responds fast, the digital platform keeps us organized, and we’re happy to be partnered together."
Tim Bosslet, CFO
"WithCoverage developed a plan that drove ~$200K savings while actually improving our coverage. Their tech also saved my team a bunch of time throughout the process. The entire process was seamless, with their Claims Team handling our existing claims to close them out and advocating for us through new issues. They've set the standard for how the industry should operate. Insurance isn't a fun topic, but they deliver on what they said they'd do and the ROI was very much there for us."
Demetri, Founder
"The WithCoverage team spent an enormous amount of time working with our entire team, understanding our unique situation and articulating how we could improve our risk management strategy (especially as we grew). In sum, they navigated us to a path of both cost savings and optimizing our coverage. All in a seamless and transparent way we hadn’t seen before with a traditional broker. Would recommend WithCoverage without hesitation! "
Sid Banthiya, CFO
"The WithCoverage team took the time to understand our business and quickly established themselves as a fantastic partner to us for our risk management needs. Our first renewal with WithCoverage delivered substantial premium savings ($300k+) and their white glove support team is a true differentiator for our ongoing needs. I most value the low-touch, high-impact model they've created, which is essentially a tiger team of industry experts at your service, on demand. I'd strongly suggest finance teams talk to WithCoverage!"
Jim Bulger, VP, Controller
"Very happy that we switched to WithCoverage as we saved 30%+ on insurance, fixed some key gaps in coverage, and now have their team of consumer brands experts supporting us as we grow. The digital platform also keeps us organized across policies, COIs, files, applications, etc, which saves us time."
Joe Aranda, VP Operations
"As a 250M+ revenue business that's handles their own manufacturing, we needed a true Risk Management Partner like WithCoverage. Their team of insurance experts and attorneys act as an extension of our team and help proactively protect our business, manage claims, renewals, and everything we need. Their digital platform makes every simple and easy and their transparent pricing model ensures we have aligned incentives. They are truly modernizing the archaic insurance industry!"
Nina McKinney, Chief Business Officer
"WithCoverage is the exact Risk Management partner we wanted. Their team are experts, the platform makes the process seamless, and they saved us $115,000+ per year on insurance, while fixing key gaps in coverage. As a CFO, I needed a dedicated team to help handle all of this, especially while we became self-manufacturing business. Highly recommend!"
Nathan Tudhope, CFO
"WithCoverage was a clear choice for us vs. a traditional broker. As a VP of Finance, I'm always focused on our bottom line and long-term stability. WithCoverage has shifted my perspective on insurance. Their risk management team is a real strategic partner who understands our business. Their technology and user-friendly platform saved my team countless hours and kept us organized. And they saved us money (30%+ on our rates) while improving our coverage."
Jules Ostorero, VP Finance
"WithCoverage’s team has provided one of the best experiences from any service provider. They helped us create a tailored risk mitigation strategy for our growing business, managed the process through their digital platform, and are always very responsive. WC is a fantastic partner for us."
John Hayes, VP Finance
"WithCoverage has been an outstanding partner for us. We’ve been truly impressed with their team's professionalism, attention and responsiveness. They routinely go above and beyond to make sure we fully understand our options and feel confident in our decisions. We’ve seen significant savings without sacrificing quality (and in fact enhancing coverage in many cases), and their online platform makes managing everything from applications, renewals, claims and COIs seamless."
Jessica Thompson, Senior Director, Counsel
"WithCoverage's team and platform is the exact solution we wanted. They act as our Risk Management Team and ensure we are properly protecting our busines as we expand our manufacturing facility, workforce, and transportation fleet. They also proactively handle all of our claims, identify issues to fix, and manage everything through their platform, which helps our team a ton. They are the modern, trustworthy solution the insurance brokerage needed."
Jared Schiff, Controller
"We're very happy to partner with WithCoverage. As we rapidly grew, we wanted a trusted partner that deeply understood our business, made sure we were protected properly, and always acted in our best interests. They not only fixed gaps in coverage we didn't know about, but also delivered very meaningful savings (dropping our rates by 30%). Choosing WithCoverage has been a great decision for us compared to the traditional broker model."
Jeremy Thurswell, COO
"WithCoverage represents the future for how the brokerage industry should operate - A specialized Risk Management team, a digital-first experience, and a white-glove service. They saved us ~40% on our rates, saved us time through their platform, and have a team of experts and insurance attorneys to advice us on how to mitigate risk. We're busy operating our business and wanted to work with a trusted partner like WithCoverage."
Alex Mcvey, CFO
"WithCoverage is truly disrupting the insurance brokerage industry and building the optimal Risk Management solution. They saved us $100K+/yr and executed their plan to ensure we were properly protected. They also made the process super easy with total white-glove service and a digital platform that manages policies, COIs, claims, etc! We don't have a full-time risk manager/team so WithCoverage was the perfect risk partner for our business. Absolutely recommend! "
Sophia Edelstein, Founder
"WithCoverage has been a great Risk Management Partner for us! We wanted an expert team, the best coverage and pricing, and a seamless experience... and that's exactly what WithCoverage offers. They are insurance experts, saved us a meaningful amount of money, and improved our coverage across the board. Their platform and white-glove service saves us time and keeps us organized. We are very happy we made the switch, especially as we grow, and need to manage risk proactively."
Daniel Burch, CFO
"WithCoverage is the modern solution the brokerage industry needs. The traditional broker model is opaque, disorganized and full of mis-aligned incentives. WithCoverage is the opposite -- Their team is excellent, the platform makes the process seamless, and they saved us a ton of money while improving our coverage. As a CFO, I need a trusted team that handles risk management/insurance this so I can focus on our business...WithCoverage is exactly that and more."
Ryan Edmondson, CFO
"WithCoverage has been a great Risk Management Partner for Caraway. They proactively helped us get key claims covered, which was essential for covering our losses. They leverage their expertise to ensure we are always properly protected and work hard to save us money on insurance even while we are growing. They get what we need done, save us time, and make it easy through their platform. Would definitely recommend them to other fast growing businesses."
Mark Riskowitz, VP Operations
"Managing risk is a core part of my role, and insurance is too important to be left to the typical broker — an industry that often feels opaque, transactional, and self-serving. WithCoverage is a complete departure from that model. They’ve become an extension of our team, making insurance simple, transparent, and efficient. They cut through the jargon and deliver clear, actionable guidance tailored to our business. They aren't just a broker; they’re a partner who gives us confidence and peace of mind."
David Homonoff, CFO
"WithCoverage did exactly what they promised. They improved our coverage, saved us serious money (~$100K or 20%), and their platform made everything simple and easy. Their team of insurance experts are smart and spent the time understanding our business. As a CFO, they are the exact type of partner I want to work with."
Jordan Posell, CFO
"WithCoverage represents the future of the insurance brokerage industry. They pair an expert insurance team with a tech platform that organizes everything we need (claims tracking, policy management, billing). Their team outlined a plan and delivered on exactly what they said they’d do — saving us 6-figures on insurance, while protecting our business. And their Claims Team of attorneys is a strategic partner as we scale our manufacturing facility. Very happy to be working together!"
Matt Lybbert, CFO
"We switched from a traditional broker to WithCoverage and couldn’t be happier. We saved 20% on premiums, addressed and filled gaps in coverage, and streamlined our process with their seamless digital platform, which eliminates redundant information and forms. The WithCoverage team is a pleasure to work with, responding promptly and showing genuine care about our business. We’re confident knowing we are partnered with experts in our industry"
Autumn Castrillo, Controller
"Working with WithCoverage has been an amazing lever for productivity and cost optimization. I am so grateful for their industry expertise, transparency, and support, especially as we rapidly grow. As a CFO, I wanted specialists who are the best in the business, understand our business, and could be a real extension of my team... and that's exactly what WithCoverage offers."
Connor Stastny, CFO
"WithCoverage is a refreshing new player in the risk management space. They have subject matter expertise across all insurance verticals and perhaps, most importantly, they are good people. We made the switch after working with traditional brokers for years, which was expensive, inefficient and opaque. The WithCoverage team is responsive, friendly and the tech-enabled platform is second to none. Our premiums are lower, our policies have been optimized, and we have better visibility of our overall insurance portfolio."
Russell Breuer, Founder & CEO
"WithCoverage did exactly what they said they would — They delivered us multi six figure savings, improved our coverage, and made the process seamless through their tech platform. We’re growing very fast, but don’t have an in-house risk manager. WithCoverage’s team of insurance experts and attorneys fills that gap and we’re glad to be partnered!"
Jessica Sturzenegger, Founder & CEO
"WithCoverage offers exactly what I wanted as a CFO — Their team of insurance experts handle risk management/insurance, delivered us $100K savings, and ensured we properly protected our business. Before WithCoverage, the process was disorganized and non-transparent. Now it’s seamless through their platform and I’m partnered with a solution I trust. "
Jordan Benjamin, Executive, Finance & Legal
"The team at WithCoverage has been fantastic to work with. They took the time to thoroughly review our existing policies, identified important gaps, and helped us secure better coverage—all while significantly lowering our premiums by ~$100K. Their expertise is evident, and their cutting-edge platform made the entire process seamless and stress-free. I highly recommend them! "
Shaun Armon, Controller
"WithCoverage is the future of Risk Management and finally disrupting the traditional insurance brokerage industry. They offer the exact solution I want as a CFO - A team of experts, a platform to make everything easy, and a plan to make sure our business is set up for success. Their tech platform saves us time and money and we're very happy to be partnered together!"
Steven Ostrom, CFO
"WithCoverage is the exact solution we wanted! Their team of insurance experts identified 6-figures of savings, key coverage gaps, and then executed on their plan exactly how they said they would. The combination of a specialized team of advisors, a seamless digital experience, and a more holistic risk management plan is what we wanted as OSEA continues to grow. They are setting a new standard for an archaic insurance industry."
OSEA, Executive Team
"At our stage of growth, we need experts to ensure we have insurance that protects each aspect of our business. WithCoverage saved us over $100,000 (via a lower rating), fixed coverage gaps, and re-classified our business properly. The combination of expertise, a seamless platform, and excellent service makes them an obvious choice. Their digital platform also lets us manage our policies, COIs, and stay organized."
Michael Kim, Co-Founder & COO
"WithCoverage saved Nood $110K/yr + and fixed gaps in coverage...every business should use them. A team of experts combined with a seamless digital experience is exactly what I wanted."
Sam Garst, Founder & CEO
"Business insurance is confusing, inaccessible and expensive. WithCoverage has fixed all of those issues for us with simple explanations, an easy-to-use platform, and close to $100k in premium savings. The team is knowledgeable, friendly, and quick to respond. For Branch, it's been a huge win."
Greg Hayes, CEO
"As a baby brand, risk management is a top priority for our business. We love working with WithCoverage because they act as our Risk Management Team. They are experts who deeply understand our business, clearly outline how to protect our risks, and give recommendations based on our risk tolerance. They also have a digital platform that makes everything seamless. It's really a no-brainer compared to traditional brokers."
Eric Osman, Founder & CEO
"WithCoverage is exactly how risk management should work. They saved us 40% on our insurance costs—over $70K—and made the process seamless through their platform. We aren’t insurance experts, so having a partner we could trust to handle this was invaluable. They have modernized the brokerage industry and set a new standard for efficiency and transparency."
Ryan Chen, Co-Founder
"We had been trying for years to get better rates without sacrificing coverage, and find a team who understood our business. WithCoverage was the only team we've met that actually delivered. They knew the best practices and benchmarks for our industry, were super transparent and saved us more than 25% vs. what we were paying before. WithCoverage's pricing is better, their service is better, and their tech is better - I'm really glad we made the switch."
Todd DeCoursey, VP Finance
"WithCoverage is our trusted Risk Management Partner. Their team are insurance experts who proactively help protect our business and get us the best pricing. We wanted a team that truly understood our business and handled everything for us so we could focus on building our business. That's exactly what WithCoverage does -- It's the modern solution the brokerage industry needs."
Ryan Lockwood, COO
"WithCoverage is the best solution for fast growing businesses. They've built what the insurance brokerage industry needs -- expert advice paired with a seamless experience. Despite our revenue doubling, our insurance premiums stayed flat and we improved our coverage. WithCoverage has been a no-brainer compared to the traditional broker and highly encourage every fast-growing business to check them out."
Justin Seidenfeld, Co-Founder & CEO
"Highly recommend WithCoverage to any fast growing bsuiness. They offer a better risk management team, digital platform, and overall service than traditional brokerages. It's what the industry should be. We're glad to be partners as we don't have an in-house risk team and lean on WithCoverage to handle this for us. Would definitely recommend to other businesses."
Ben Cohn, CEO
"WithCoverage has been amazing. They implemented a better plan to protect our company and their Claims Team proactively managed multiple claims until we got paid. Our previous experience was opaque and disorganized. WithCoverage's team communicates thoughtfully, their platform saves us time, and they've consistently saved us money as we grew. Highly recommend to other fast growing businesses!"
Michael Mayer, Co-Founder & Co-CEO
"WithCoverage saved us 40% ($70K+) on insurance with no impact to customers, employees, or our limits. Those kinds of wins are incredibly rare. Their team are experts are smart and really easy to work with. 100% recommend!"
Brandy Hipp, CFO
"Before I found WithCoverage, business insurance products were a black box to me. WithCoverage made it easy for us to find, bind, and organize the right coverage and at the right time for our business. Their portal is also incredible. I know where my documents are and can generate the documents that I need fast. The days of scouring my inbox for old attachments and long email threads with our broker are over. "
Doug Schneider, COO
"Choosing WithCoverage is a no-brainer. Their team of experts identified gaps in coverage through their analysis, helped us fix them, and drove savings year over year despite our meaningful revenue growth. The entire process was fast and easy through their digital platform. They’ve changed an old, archaic, confusing insurance process into a modern day experience."
Kevin Chanthasiriphan, Co-Founder
"Easiest decision to switch to WithCoverage! Better service and coverage, while saving us 30% year over year…wish I found them sooner! The overall client experience is excellent. The WithCoverage team thrives in the details and the entire process took minimal effort on our end."
Eli Bailey, Co-founder & COO
"WithCoverage saved us a material amount year over year and helped us better protect our inventory throughout our supply chain. The team is always quick to respond and offers a great service. As a large, national baby product brand, we're very glad we're working with their Risk Management Team."
Anthony Bangay, CFO
"We switched from a large traditional brokerage to WithCoverage because of their expertise supporting a fast growing snack brand like Chomps. They identified and addressed key gaps in our insurance, and act as a true extension of our team. Their team responds fast, the digital platform keeps us organized, and we’re happy to be partnered together."
Tim Bosslet, CFO
"WithCoverage developed a plan that drove ~$200K savings while actually improving our coverage. Their tech also saved my team a bunch of time throughout the process. The entire process was seamless, with their Claims Team handling our existing claims to close them out and advocating for us through new issues. They've set the standard for how the industry should operate. Insurance isn't a fun topic, but they deliver on what they said they'd do and the ROI was very much there for us."
Demetri, Founder
"The WithCoverage team spent an enormous amount of time working with our entire team, understanding our unique situation and articulating how we could improve our risk management strategy (especially as we grew). In sum, they navigated us to a path of both cost savings and optimizing our coverage. All in a seamless and transparent way we hadn’t seen before with a traditional broker. Would recommend WithCoverage without hesitation! "
Sid Banthiya, CFO
"The WithCoverage team took the time to understand our business and quickly established themselves as a fantastic partner to us for our risk management needs. Our first renewal with WithCoverage delivered substantial premium savings ($300k+) and their white glove support team is a true differentiator for our ongoing needs. I most value the low-touch, high-impact model they've created, which is essentially a tiger team of industry experts at your service, on demand. I'd strongly suggest finance teams talk to WithCoverage!"
Jim Bulger, VP, Controller
"Very happy that we switched to WithCoverage as we saved 30%+ on insurance, fixed some key gaps in coverage, and now have their team of consumer brands experts supporting us as we grow. The digital platform also keeps us organized across policies, COIs, files, applications, etc, which saves us time."
Joe Aranda, VP Operations
"As a 250M+ revenue business that's handles their own manufacturing, we needed a true Risk Management Partner like WithCoverage. Their team of insurance experts and attorneys act as an extension of our team and help proactively protect our business, manage claims, renewals, and everything we need. Their digital platform makes every simple and easy and their transparent pricing model ensures we have aligned incentives. They are truly modernizing the archaic insurance industry!"
Nina McKinney, Chief Business Officer
Free assessment
See what your current program
is missing
A full audit of your current program, benchmarked against the market, where we show what isn't covered, and what you're overpaying for.
“We switched from a large traditional brokerage to WithCoverage because of their expertise supporting a fast growing snack brand like Chomps. They identified and addressed key gaps in our insurance, and act as a true extension of our team. Their team responds fast, the digital platform keeps us organized, and we’re happy to be partnered together.”
Tim Bosslet
CFO, Chomps