Cover NW Insurance Group

What Cover NW Insurance Group does

Cover NW Insurance Group (legally Emerald and Ash Risk Advisors Inc.) is an independent insurance agency founded in 2016 by Jeneane Conway and headquartered in Kennewick, Washington. The firm operates as a multi-line broker representing six major carriers — BlueCross BlueShield, Cigna, Liberty Mutual, Mutual of Omaha, Nationwide, and Progressive — and distributes more than 25 insurance products spanning Medicare (Advantage, Supplement, Prescription Drug Plans), individual and group health, life and final expense, auto and specialty vehicles, homeowners, earthquake, flood, landlord and renters, business owners package (BOP), group benefits, surety bonds, and specialty lines such as event and wedding insurance. The agency is licensed in six U.S. states (Washington, Colorado, Florida, Idaho, Oregon, Arizona) and serves both individual consumers and small-to-medium business owners, with Medicare-eligible beneficiaries and personal-lines households identified as primary customer segments.

The business model is commission-based: the agency earns carrier-paid commissions on policies sold and renewed, functioning as an independent intermediary rather than a risk-bearing carrier. Distribution runs through a sales-led, relationship-based motion — phone outreach with dedicated numbers per state, free consultations, and a website with online quote-request forms — supplemented by a 'Refer a Friend' program and published client testimonials. There is no proprietary technology platform; the firm's digital presence is a static agency website with lead-capture forms, and life insurance quoting is routed to a third-party application (Back9ins). Headcount is 1-10, and the firm is privately held, founder-owned, with no disclosed institutional investment, M&A activity, or funding rounds.

The firm is small, founder-dependent, and operating in a mature, highly competitive distribution layer. Competitive position rests on multi-carrier representation and multi-line breadth rather than technology, scale, or data assets. Key fragility is production-capacity concentration on a single founder/principal agent; key opportunity is the structural tailwind to Medicare distribution from an aging U.S. population, particularly in retirement-migration states such as Florida and Arizona where the agency holds licenses.

Name

Cover NW Insurance Group

Legal name

Emerald and Ash Risk Advisors Inc.

Website

https://covernw.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Cover NW Insurance Group is an independent multi-line insurance agency founded in 2016 in Kennewick, WA, representing six major carriers to distribute Medicare, health, auto, home, life, and business insurance to individuals and small businesses across six U.S. states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Independent insurance agency
• Medicare insurance plans
• Multi-carrier insurance brokerage
• Business insurance coverage
• Personal lines insurance

Headquarters

HQ city

Kennewick

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers for policies sold. As an independent agency representing multiple carriers (BlueCross BlueShield, Cigna, Liberty Mutual, Mutual of Omaha, Nationwide, Progressive), they receive compensation when customers purchase and maintain insurance policies through their recommendations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Cover NW Insurance Group is an independent insurance agency that brokers insurance products across Medicare, Health, Life, Auto, Home, and Business lines on behalf of multiple carriers (BlueCross BlueShield, Cigna, Liberty Mutual, Mutual of Omaha, Nationwide, Progressive). The agency matches customers to carrier offerings through free consultations, online quote requests, and phone-based sales across Washington, Colorado, Florida, Idaho, Oregon, and Arizona. Revenue is earned through commissions paid by carriers for policies sold and renewed.

Product overview

Cover NW Insurance Group (operating as Emerald and Ash Risk Advisors Inc.) is an insurance agency offering a comprehensive portfolio of insurance products and quote services. The agency provides Medicare insurance (Advantage Plans, Supplement Coverage, Prescription Drug Plans), Health Insurance (including Travel, Group, Dental, and Vision), Life Insurance (including Final Expense), Auto Insurance (ATV, Classic Car, Motorcycle, RV), Property Insurance (Home, Earthquake, Flood, Landlords, Renters), Business Insurance (BOP, Group Benefits, Insurance Bonds), and Other products (Boat, Event, Umbrella, Wedding). The agency operates as a multi-line insurance broker representing multiple carriers and offers online quote request functionality. Since 2016, the agency has served Washington, Colorado, Florida, Idaho, Oregon, and Arizona.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Insurance Medicare insurance brokerage offering Medicare Advantage Plans, Medicare Supplement Coverage, and Prescription Drug Plans for individuals eligible for Medicare benefits (typically aged 65+ or those with qualifying disabilities) across six U.S. states.
• Health Insurance Health insurance brokerage for individuals and families, including individual health coverage, travel health insurance, group health insurance for employers, dental insurance, and vision insurance sourced from multiple carriers.
• Life Insurance Life insurance brokerage providing term life insurance and final expense insurance to cover end-of-life costs such as funeral expenses.
• Auto Insurance Vehicle insurance brokerage for personal vehicles including auto, ATV, classic car, motorcycle, and RV coverage sourced from carriers such as Progressive and Liberty Mutual.
• Home Insurance Property insurance brokerage covering homeowners, earthquake, flood, landlords, and renters insurance products sourced from multiple carriers.
• Business Insurance Commercial insurance brokerage for small and medium-sized businesses offering Business Owners Package (BOP) coverage, group employee benefits, and surety/fidelity insurance bonds.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• BlueCross BlueShieldcoreChannel Partner/ Reseller/ DistributorMajor national health insurance carrier offering Medicare, health, dental, and vision insurance products. Cover NW Insurance Group represents BlueCross BlueShield as a licensed agent to provide their products to clients.
• CignacoreChannel Partner/ Reseller/ DistributorGlobal health insurance and employee benefits provider. Cover NW Insurance Group offers Cigna products to their client base seeking health and employee benefits coverage.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance carrier offering auto, home, and business insurance. Cover NW Insurance Group represents Liberty Mutual for personal and commercial insurance products.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance and financial services company offering Medicare supplements, health, life, and disability insurance. Cover NW Insurance Group represents Mutual of Omaha products, particularly for Medicare-related coverage.
• NationwidecoreChannel Partner/ Reseller/ DistributorFortune 100 insurance and financial services company. Cover NW Insurance Group offers Nationwide products for auto, home, business, and specialty insurance needs.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal lines auto insurance carrier known for competitive rates and the 'Name Your Price' tool. Cover NW Insurance Group represents Progressive for auto insurance products.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• GoHealth: Medicare-focused insurance agency distributing Advantage, Supplement, and PDP products from multiple carriers via a phone- and digital-led model. Directly comparable Medicare distribution business with similar target customers.
• eHealth: Online health insurance marketplace and agency distributing Medicare, individual/family health, and ancillary products from multiple carriers. Comparable multi-carrier health and Medicare distribution business model with broader digital reach.
• SelectQuote: Independent insurance agency specializing in Medicare and life distribution via multiple carriers (including Mutual of Omaha). Closely comparable Medicare-focused multi-carrier agency model with a phone-based sales motion.
• Brightway Insurance: Franchised independent insurance agency network offering home, auto, life, and business insurance through multiple carriers. Directly comparable independent agency distribution model targeting similar consumer segments.
• TWFH Insurance (TWFG): Independent personal lines insurance agency distributing through multiple carriers across many US states. Comparable multi-line independent agency model with carrier-agnostic distribution.
• Goosehead Insurance: Independent personal lines insurance agency distributing through multiple carriers across many US states. Highly comparable multi-line, multi-carrier agency model with consumer-facing distribution.

Broad incumbents

• Brown & Brown: Large US insurance brokerage and agency offering personal, commercial, and benefits lines through carrier and direct distribution. Comparable brokerage model with broader scale, more products, and national reach.
• Progressive: Major US personal and commercial auto and property insurer, and a carrier partner of Cover NW. Comparable through the personal lines distribution relationship, though Progressive is a carrier (underwriter) rather than an agency.
• Hub International: Large North American insurance brokerage offering personal, commercial, life, and benefits products. Comparable multi-line agency and brokerage model at significantly larger scale with national footprint.
• Liberty Mutual: Major US property and casualty insurance carrier and Cover NW carrier partner. Overlaps with Cover NW through the distribution partnership, though Liberty Mutual is a direct-writing carrier with broad product offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cover_nw
• Facebookfacebook.com/coverNW
• LinkedInlinkedin.com/company/covernw

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cover NW Insurance Group