The Coverwell team in their San Francisco office

About us

We're in your corner.

Coverwell was built on a simple belief: small business owners deserve an insurance broker who actually explains things, shops the market on their behalf, and picks up the phone when it matters.

Our Journey

Coverwell, Inc.was founded in 2023 by Charles Frazier III after 2 decades working inside large insurance carriers. At CoverWell, Inc., we offer customized, comprehensive risk management and insurance & solutions. We have direct access to a wide network of insurance companies. We offer wide range of insurance coverages, including General Liability, Property, Workers' Compensation, Professional Liability, Commercial Auto, Cyber Liability, Directors & Officers, Umbrella, Excess Liability, and Bonds. We also provide claims management, policy review, and risk management services to ensure my clients are fully protected.
Starting with a handful of clients in the Bay Area, Coverwell, Inc has grown steadily through referrals. Today we serve over many businesses across the Bay Area and other parts of the country. We've stayed independent by design — it's the only way to put our clients first.
We're licensed in California, Texas, New York, and New Jersey. We work with a curated network of top-rated carriers. Every policy we recommend is one we'd stand behind ourselves.

Independence

We're not tied to any single carrier. That means we shop the market and recommend what's right for you — not what pays us the highest commission.

Clarity

Insurance is complicated enough. We translate the fine print into plain language so you know exactly what you're buying and why.

Advocacy

When you need to file a claim, we're in your corner. We help you navigate the process and push for a fair outcome.

Behind Coverwell, Inc.

Coverwell team at work in their San Francisco office
Charles Frazier III, LUTCF, PMP

Charles Frazier III, LUTCF, PMP

CEO & Principal Broker

25+ years in commercial insurance. Risk Management/Commercial Lines Broker with a demonstrated 30-year history of working in the insurance space. Strong financial services professional with a Master's degree focused on LUTCF from The American College of Financial Services and a Project Management Professional credential from Columbia University School of Engineering with a focus on construction and renewable energy.

Licensed, experienced, and accountable

  • California Department of Insurance licensed  #0C91478
  • Independent broker — no carrier affiliations
  • 25+ years serving California and beyond businesses
  • Errors & Omissions insured
  • Member, Independent Insurance Agents & Brokers of California

Let's talk about your business.

A 15-minute conversation is usually all it takes to understand your needs and point you in the right direction.