Know what your franchise insurance actually covers.
Upload your policy packet and get a plain-English breakdown of limits, additional insureds, and location schedules—before your next audit.
What you get
- Maps coverage to FDD and franchisor requirements
- Flags missing additional insured endorsements
- Tracks renewal dates across locations
Common policy types
- General liability
- Workers compensation
- Commercial property
- Umbrella / excess
Coverbird summary
General Liability
Policy period Dec 1, 2025 – Dec 1, 2026
Occurrence limit
Looks right$1,000,000
Aggregate limit
Looks right$2,000,000
In plain English
Your general liability policy includes a $2M per-occurrence limit with a $4M aggregate, naming the franchisor as additional insured on a primary and non-contributory basis.
Source
Page 2 · “Policy Period: 12/01/2025 to 12/01/2026”
Guides for this work
- How to read a commercial insurance policyA practical order of operations for a 100-page commercial PDF: declarations, form schedule, then the endorsements that actually change coverage.
- Preparing commercial policies for a franchise insurance auditHow franchisor additional-insured, location schedules, and certificate language map onto the forms in a multi-unit packet.
- Commercial policy renewal checklistWhat to pull from this year’s declarations before a renewal meeting: dates, limits, form schedule, and the endorsements last year’s contracts required.
Also see the form library and glossary.
How it works
From PDF to renewal calendar in four steps
Upload
Upload
Drag in a PDF or photo of your commercial policy. Multiple files are fine. We accept PDF, JPG, and PNG up to 50 MB.
Extract
Extract
Coverbird reads the document, finds the declarations pages, and pulls structured fields—carrier, dates, premium, limits—with source evidence.
Verify
Verify
Uncertain fields ask for a quick confirm. You can edit inline. Original extractions stay in the audit trail—we never silently overwrite them.
Remind
Remind
Once the expiration date is solid, Coverbird schedules reminders at 120, 90, 60, 30, 14, and 7 days—so renewals stop sneaking up on you.
FAQ
Straight answers
Your documents are encrypted and private. We use them only to generate your breakdown. You can delete your data at any time from your account settings.
Start with one policy. Add the rest when you're ready.
Upload a commercial policy PDF and get a structured summary plus renewal tracking in one place.