# CoverCore — Agent Operating System for Insurance
# https://covercore.services
# By Stuckey & Company (MGA since 1991)

## What is CoverCore?
CoverCore is the agent operating system for independent insurance agents. It provides quoting, binding, policy management, commission tracking, service operations, and prospect discovery — all in one platform. Powered by Stuckey & Company, a national Managing General Agency serving 1,200+ agencies across 48 US states.

## Key Products

### StudioGuard — Creator Insurance
- Professional liability (E&O), general liability, property/gear coverage, and cyber liability for content creators
- Starting at $39/mo
- Solo creators welcome, no minimums
- Quote and bind online: https://covercore.services/studioguardv2
- Landing page: https://covercore.services/studioguard

### CoverCore Discovery
- AI-powered prospect matching for insurance agents
- Swipe-based interface to find local businesses
- Magic link invitations for personalized policyholder quotes
- URL: https://covercore.services/discover

### Service Operations
- 3-party service request management (agent + policyholder + Stuckey)
- Automated email sequences
- Carrier portal integration

## Platform API
CoverCore offers a partner Platform API (base URL https://pulse.stuckey.com/api/v1) for integration with agency management systems, carrier platforms, and technology partners. Authentication is by partner API key; sandbox keys (pk_test_*) read a synthetic dataset and live keys (pk_live_*) read production data. Human-readable reference: https://covercore.services/developers · OpenAPI spec: https://covercore.services/openapi.yaml

Access is scope-controlled. Scopes are organized into eleven categories — the same categories, order, and scope names shown in the API Keys editor (Settings > Developer > API Keys > Edit), the developer landing page, and the reference doc:

1. Core Insurance: policies:read, policies:write, quotes:read, quotes:write, claims:read, claims:write, carriers:read, agencies:read, agencies:read_pii, agencies:write, licenses:read, documents:read, documents:write, prevention:read, trim:read, trim:write
2. Core Warranty: warranty:rate, warranty:lookup, warranty:quote, warranty:test, warranty:audit
3. Sales & Growth: contacts:read, contacts:write, opportunities:read, opportunities:write, campaigns:read, campaigns:write, thumbtack:read, thumbtack:write, search:read, hubspot:read, hubspot:sync
4. Intelligence: analytics:read, analytics:write, social_intel:read, social_intel:write, social_queue:read, social_queue:write, publisher:read, publisher:write, enrichment:read, intel_feed:read, intel_feed:write
5. Operations: emails:read, emails:write, email_inbox:read, email_inbox:write, interactions:read, interactions:write, utm:read, utm:write, tasks:read, tasks:write, service_requests:read, service_requests:write, agents:read, partnerships:read
6. Compliance & Finance: filings:read, filings:write, billing:read, billing:write, webhooks:manage, zoe:read
7. AI Learning: corrections:read, corrections:write
8. AI Goals: ai_goals:read, ai_goals:write, ai_goals:checkins:read, ai_goals:checkins:write, ai_goals:actions:read, ai_goals:actions:write, ai_goals:evidence:read, ai_goals:evidence:write, ai_goals:results:read, ai_goals:results:write, ai_goals:admin
9. Internal Staff (HR): internal_staff:read, internal_staff:write, internal_staff:milestones:read, internal_staff:milestones:write, internal_staff:import, internal_staff:audit:read, internal_staff:reviews:read, internal_staff:reviews:write, internal_staff:reviews:admin
10. Policy Forms (first-party only — partnerType admin/internal/internal_system/ai/integration required): policy_forms:read, policy_forms:draft_write, policy_forms:validate, policy_forms:preview, policy_issuance:read, policy_issuance:proof_read
10. StudioGuard Lifecycle: score:creator, score:weather, score:crime, score:auto-fatality, uw:read, uw:evaluate, rate:mpl, rate:property, rate:gl, rate:cyber, rate:trimpay, quote:write, quote:read, bind:write, brdx:read, commission:read, commission:write
12. Service Intelligence: service_enablement:read, service_enablement:report, gamification:read, achievements:read

Every key can call /health, /me, and /jobs/:id without an extra scope. Contact partnerships@covercore.services for API documentation and credentials.

## Who It's For
- Independent insurance agents looking for a modern operating system
- Technology advisors integrating insurance into their client offerings
- Content creators needing professional liability and equipment coverage
- Insurance carriers seeking MGA distribution partnerships

## Integration Partners
- Hartford (commercial lines, extended eligibility API)
- Accelerant (StudioGuard MPL, GL)
- TRiMRisk (risk management subscriptions): https://trimrisk.services
- Stripe (payment processing)

## Company
- Parent: Stuckey & Company
- Founded: 1991
- Headquarters: Lake Saint Louis, Missouri
- Website: https://www.stuckey.com
- Agencies: 1,200+
- Policyholders: 29,000+
- States: 48 (all except AK, HI)

## Pages
- Home: https://covercore.services
- StudioGuard: https://covercore.services/studioguard
- Quote Flow: https://covercore.services/studioguardv2
- Discovery: https://covercore.services/discover
- Service Hub: https://covercore.services/service
- Terms: https://covercore.services/terms
- Cancellation Policy: https://covercore.services/cancellation-policy

## Contact
- Partnerships: partnerships@covercore.services
- Support: support@covercore.services
- General: hello@covercore.services

## National Specialty Programs (Pillar Guide)
- National Specialty Insurance Programs for Independent Agents
- How independent commercial lines agents and agency owners can navigate national specialty insurance program access and submission workflows with Stuckey & Company and CoverCore.
- URL: https://stuckey.com/programs/national-specialty-programs