CoverScore for Business
CoverScore is one methodology, and it plugs in wherever risk meets a decision. Five stakeholder types touch the same funnel at different points — each with a different reason to care.
One constraint runs through all of them: the consumer sees the same honest number the partner does. Nothing is scored differently because a partner is paying.
Answer the question your article raises.
Your readers arrive with a real worry — is this safe, is my area at risk, am I exposed. Today the best you can do is explain the issue and link away. A CoverScore embed lets you answer it for their specific situation, under your masthead, and keep the relationship.
- Who
- Sites with audiences asking a risk question
- Integration
- One embed script
- Time to live
- Under a day
- Model
- Revenue share on Actions
Traffic that converts to nothing.
Risk and safety content ranks well and monetizes badly. The reader finishes the article informed but no closer to knowing what to do about their own house, their own data, their own child. Display ads pay pennies against that intent, and an affiliate link only works if the answer happens to be a product.
High-intent readers leave without an answer specific to them.
Display revenue is uncoupled from how valuable the intent actually is.
Affiliate only monetizes the subset of problems a product solves.
No first-party data captured from the reader who cared most.
From article to answer in one embed.
The widget renders inside your page, in your typography. No redirect, no account wall on the free step.
Drop in the embed
One script tag, one edition selected per placement. It inherits your fonts and container width.
Reader gets a real number
They enter a ZIP, an email, or a product. A score with an honest confidence band returns in the page.
You capture the relationship
To save the score they give an email — to you and to CoverScore jointly, with consent shown plainly.
Action revenue shares back
If the reader converts on an inspection, a removal service, or an advisor, you earn on it.
What you get
Everything here is what our own properties run today.Inline, sidebar, or end-of-article
Three form factors. The inline unit performs best directly under the section that raises the worry.
Your masthead, our engine
Powered-by attribution is a single line. The reader stays on your domain and in your voice.
Shared email capture
You get the address and the edition they scanned. We never remarket into your audience without you.
Placement-level attribution
Scans, saves and converted Actions broken out per URL, so you can see which content actually earns.
No content obligations
You are not required to write about CoverScore, link to us editorially, or change your recommendations.
Kill switch
Pull the embed any time. Reader profiles they created remain theirs, not stranded.
No fee to embed, no minimum traffic. You earn a share of anything the Action step converts from your placements — inspection bookings, removal services, advisor referrals, litigation intake.
- Cost to you
- None. No setup fee, no seat cost, no minimum.
- Attribution
- Last-touch to your placement, 30-day window.
- Exclusivity
- None asked for. Run competing widgets if you want.
We are our own first publisher.
These sites are ours, and they sit in the publisher channel running the integration a third party would get. Every publisher feature is proven against a real audience before it is sold.
Jobs that arrive already diagnosed.
Inspectors, remediation crews and home-hardening contractors spend a punishing share of their time qualifying work that never closes. CoverScore hands you homeowners who have already seen a named defect, understand why it matters, and asked for someone to fix it.
- Who
- Inspection, remediation, hardening trades
- Routed through
- HomeDoc
- Job arrives with
- Scope, hazard, photos
- Model
- Per job or subscription
Most of the pipeline is unqualified.
Lead-gen marketplaces sell the same enquiry to four contractors and let you fight over it. The homeowner often does not know what they need, whether the work is urgent, or what it should cost — so the first visit is an unpaid education session, and half of them end there.
The same lead sold to several contractors at once.
Homeowners cannot describe the problem, so scoping happens on site, unpaid.
No shared evidence of urgency, so price becomes the only conversation.
Seasonal demand spikes with no forward view of where work will land.
Diagnosis first, dispatch second.
The homeowner has already worked through their score before you ever see the job.
Homeowner scores their property
Area hazard layers plus their own photos and answers produce a score with specific named defects.
A defect becomes a scoped job
HomeDoc turns "roof debris in a high WUI zone" into a work item with scope and urgency attached.
You receive it in your area
Matched on trade, radius and capacity. You see the scope and the hazard context, never the wider profile.
Completion re-scores the property
Work you finish moves the homeowner’s number, which is visible to them — and becomes your track record.
What you get
Live today through Defensible Homes into HomeDoc.Scope attached before contact
Hazard type, severity, photos and the homeowner’s own answers travel with the job.
Not resold four times
Jobs route to one pro in thin markets and a small panel in dense ones. Never an open auction.
Seasonal forward view
Area-level risk tells you where fire-season and storm-season demand will concentrate before it does.
A homeowner who already believes the diagnosis
They saw the exposure themselves. You are not arguing the work is necessary.
Verified completions
Finished work is recorded against the property and feeds the score, building a defensible reputation.
Scoped access only
You see the job. You do not see their other editions, their household, or their financial picture.
Pay per accepted job, or take a monthly subscription for a territory with a job cap. No charge for jobs you decline, and no charge for a job that turns out to be misdiagnosed.
- Vetting
- Licence, insurance and reference check before activation.
- Territory
- Radius-based, adjustable by capacity week to week.
- Refunds
- Misdiagnosed jobs are credited, no dispute process.
Walk into the review with the gaps already named.
Financial planners, benefits advisors and independent agents spend hours assembling a picture of each household before a meeting — and still work from what the client remembered to mention. CoverScore Pro pulls a Protection Gap Score across your whole book and hands you the agenda.
- Who
- Planners, benefits advisors, agents
- Unit
- Seat, per advisor
- Scope
- Whole book, client-invited
- Status
- Specified, not yet built
Preparation eats the practice.
Annual review prep is manual, uneven and dependent on what the client discloses. Coverage gaps surface late — often after a claim — and the conversation about raising cover has no artifact behind it, so it reads as a sales push rather than a diagnosis.
Hours of prep per household, repeated every review cycle.
Gaps found only when the client volunteers a life change.
No shared evidence, so raising coverage sounds like selling.
No way to triage a book — every client gets the same cadence regardless of exposure.
One invite, one profile, one agenda.
The household does the data entry once, in their own time, and it stays current between reviews.
Invite the household
They complete onboarding themselves — fast form plus a document drawer for policies they can upload.
The gap is scored
Protection Gap Score across insurance adequacy, income continuity and estate readiness, with a confidence band.
Your book segments itself
The portfolio view ranks households by exposure and by opportunity, so you sequence outreach by need.
The ledger is the agenda
Every input that moved the score is itemised and attributed. You review it with the client on screen.
What you get
Planned. The clearest recurring-revenue line in the portfolio.Portfolio segmentation
Sort and filter the whole book by score, band width, trigger events and unaddressed actions.
Life-event alerts
Marriage, birth, home purchase, job change, a parent needing care — each re-scores and flags the household.
Provenance ledger as agenda
An itemised, sourced list of what drives the number. The client reads it and understands it.
Cross-edition context
Property, Health and Privacy exposure sit alongside the financial picture in one profile.
Audit trail
Every input dated and attributed, so advice given against the score is documented.
Your practice on the artifact
Client-facing outputs carry your firm’s identity, not ours.
Seat-based SaaS with unlimited households per seat. No per-client fee — the incentive is to bring the whole book, not to ration invitations.
- Households
- Unlimited per seat.
- Access
- Client-invited only, revocable by the household at any time.
- Data
- Advisors see what the client shares. Nothing else.
Segment a whole book by exposure and opportunity.
Instead of a flat client list, see which households carry the widest gaps, which have unaddressed high-impact actions, and which have just fired a life trigger. Sequence outreach by who needs it rather than by review date.
See CoverScore Pro for partners →Illustrative counts for a sample book of 200 households.
Applicants who already know what they are missing.
Cold quote forms ask people to self-diagnose a need they have not yet recognised, and most of them abandon. CoverScore users reach the Action step having seen their own exposure, their own number, and the specific gap a policy would close.
- Who
- Carriers, MGAs, distribution partners
- Handoff at
- The Action step only
- Consent
- Explicit, per handoff
- Model
- Per qualified policy
Acquisition spends most of its money on the unconvinced.
The expensive part is not the quote — it is persuading someone they have a gap at all. Broad-match acquisition buys attention from people who are not yet in market, and the funnel absorbs the cost of educating them from zero.
Paid acquisition reaching people with no recognised need.
Quote-form abandonment where the need was never established.
No independent evidence of exposure to anchor the conversation.
Adverse selection risk from applicants who only shop after a scare.
The need is established before you are introduced.
We do not hand over a list. The consumer chooses the handoff, at the moment their gap has a name.
The consumer sees a gap
A specific, sourced shortfall — underinsured for wildfire, no income continuity, no cover for a named risk.
Coverage becomes the ranked action
Where the honest fix is a policy rather than a task, coverage surfaces in the action queue.
They consent to a handoff
They see who is being introduced and what is shared before anything moves. Nothing is implied consent.
You receive context, not a cold lead
The gap, the edition, and the exposure evidence — so the first conversation starts at the right place.
What you get
In discussion. Consent architecture is settled; commercial terms are not.Self-diagnosed need
The applicant identified the gap before you were introduced, using evidence they trust.
The gap, named
You know what shortfall triggered the handoff — not just that someone clicked something.
Lower education cost
The persuasion step happened upstream, on our surface, at our expense.
Edition-matched routing
Property gaps route to property carriers. We do not spray a general lead across every line.
Documented exposure
Where the consumer consents, underwriting-relevant evidence travels with the introduction.
No paid ranking
You cannot buy position in the action queue. That is what makes the intent worth something.
Paid on bound policy rather than on click or on lead. The economics only work for us if the introduction was genuinely right, which is the alignment we want.
- Trigger
- Bound policy, not click or form fill.
- Ranking
- Not purchasable. Ever.
- Data
- Only what the consumer consented to, per handoff.
Intake that arrives with the incident identified.
Privacy and data-breach litigation depends on finding claimants whose exposure maps to an active matter. The free breach scan surfaces those people at the exact moment they learn they were affected — and routes them to representation on their own initiative.
- Who
- Firms running privacy & mass-tort matters
- Routed through
- CaseFinders
- Qualified on
- Named, dated incidents
- Model
- Per qualified intake
Claimant acquisition is broad and wasteful.
Finding people affected by a specific breach through advertising means paying for enormous reach to catch a small qualifying fraction — and the people who respond often cannot establish which incident touched them, so intake burns hours disqualifying.
Broad-match advertising to catch a narrow qualifying population.
Respondents who cannot name the incident that affected them.
Intake staff time spent disqualifying rather than qualifying.
Timing mismatch — outreach lands long before or after awareness.
Qualification happens before intake.
The consumer scans their own email, sees a named incident, and decides for themselves whether to be connected.
Free breach scan
An email checked against a public breach corpus returns named, dated incidents — not a vague warning.
Eligibility matched
Incidents are matched against active matters. If nothing matches, we say nothing matches.
The consumer opts in
They see which firm, which matter, and what is shared. Declining costs them nothing.
Intake receives context
The qualifying incident, its date, and the exposure evidence arrive with the referral.
What you get
Live today. Highest value per conversion in the portfolio.Incident-matched claimants
Every referral carries the specific named breach that qualifies them for your matter.
Caught at the moment of awareness
The referral happens seconds after they learn they were affected, not weeks later.
Scales with the corpus
New incidents entering the breach corpus surface newly eligible consumers automatically.
Less disqualification
Intake staff spend time on people who already meet the threshold.
Documented consent
The opt-in, what was disclosed, and when — recorded and available.
Matter-level routing
Referrals for a given matter route to one firm, not distributed across several.
Priced per qualified intake, with qualification defined jointly up front so there is no argument about what counts. Non-qualifying referrals are not billed.
- Qualification
- Defined jointly before launch, in writing.
- Exclusivity
- One firm per matter, per jurisdiction.
- Non-qualifying
- Not billed, no dispute needed.
Running today. Add your name to it.
This channel is live in the portfolio. Tell us where you sit and we will scope the integration against what already works.