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Our Story

From the beginning, Ryan Swalve and Zach Mefferd set out to provide the best independent insurance agency experience for insureds and their in-house team. From the humble roots of a 700-square-foot office in West Des Moines, IA, Coverage Direct has grown into a leader in insurance technology.

“Coverage” represents the best way to purchase property and casualty insurance – through an independent agent (or broker). Independent agents work directly for their clients, not a big insurance company. By representing a variety of top insurance carriers in the nation, we can provide tailored coverage options for the best possible value. As a bonus, our top-notch services and products are a fraction of the cost your business would pay if you acquired an agency or started an insurance division from scratch.

“Direct” represents our mission to deliver the ideal customer experience. By implementing cutting-edge technology, we can improve operations and efficiencies and offer the kind of experience you’d typically only expect from large national companies. In other words, we’re easy to work with and remarkably affordable. But unlike large agencies, we prioritize genuine, honest, and caring customer service.

Our Pillars

What really sets us apart

What started as a half-joking remark in the early days of our company has built the foundation for our core values. By remembering the small details that often get overlooked, we can provide a level of quality that is leaps and bounds better than the competition.

Be Nice.

Be someone your grandmother would be proud of! We always put our clients first. It’s non-negotiable.

Always Tell the Truth.

Be honest no matter what. We put in the work and don’t take shortcuts, serving our clients to the best of our abilities.

Always Be Available.

We offer a 24/7/365 option. This allows clients to connect with us at any time via phone, email, or text. We know bad things don’t always happen during regular business hours.

Genuinely Care

We’re 100% here to help you and your customers. We have a plan so you can have peace of mind. Our claims concierge service ensures your insurance carrier is held accountable and you have everything you need at all times.

Inbound Sales Representative – Personal Lines Insurance

Job Description:

Driven, customer-focused, and a passion for helping individuals are the qualities we look for in a team member. As an Inbound Sales Representative at Coverage Direct, you will be the first point of contact for future clients seeking personal lines insurance options. Your primary responsibilities will be providing prompt responses to client quote requests, assessing client needs, efficiently market accounts with our insurance carrier partners, and most importantly, present and close new business.

Key Responsibilities:

  • Inbound Calls and Inquiries:
    • Handle incoming calls and online inquiries from potential clients interested in personal lines insurance, including auto, home, renters, and as well as other coverage types.
  • Needs Assessment:
    • Conduct thorough needs assessments to understand each customer’s insurance requirements and risk tolerance. Ask probing questions to identify coverage gaps and offer appropriate solutions.
  • Product Knowledge:
    • Develop a deep understanding of our personal lines insurance products, policy options, and coverage features. Stay up to date with industry trends and changes.
  • Quote Generation:
    • Utilize insurance quoting software and tools to generate accurate insurance quotes based on customer needs and preferences.
  • Consultative Sales:
    • Provide consultative guidance to customers, explaining policy terms, coverage limits, deductibles, and other relevant details. Offer recommendations to help customers make informed decisions.
  • Cross-Selling and Up-Selling:
    • Identify opportunities to cross-sell or up-sell additional insurance products or coverage enhancements to meet customer needs and maximize value.
  • Documentation and Follow-Up:
    • Accurately complete insurance applications and necessary documentation. Follow up with customers to ensure the application process is smooth and timely.
  • Compliance:
    • Ensure all sales activities and documentation adhere to industry regulations and company policies.
  • Client Relationships:
    • Learn to utilize the company CRM while keeping detailed client notes for future discussions and keeping updated policy and client information as needed.

Desired Qualifications:

  • High school diploma or equivalent.
  • Proven experience in sales or customer service, preferably in the insurance industry.
  • Have or be able to pass the property and casualty insurance exam within two weeks of date of hire.
  • Excellent communication and interpersonal skills.
  • Strong listening and problem-solving abilities.
  • Proficiency in using insurance quoting software and CRM systems.
  • Detail-oriented with strong organizational skills.
  • Ability to work in a fast-paced environment and handle a high volume of inquiries.
  • Willingness to obtain required insurance licenses as needed.
  • Willingness to work in a team-oriented environment.
  • Ability to cross train to other pieces of agency as needed.


  • Competitive base salary with monthly performance-based bonuses and incentives.
  • Comprehensive benefits package, including health, dental, and employer matching 401k retirement plans.
  • Ongoing training and professional development opportunities.
  • 15-days of paid time off earned after the first year.
  • 11 annual paid holidays
  • Flexible Hybrid work schedule.
  • A fun and supportive team environment.

How to Apply:

Are you ready to begin a new, rewarding career? If so, we invite you to apply for the Inbound Sales Representative role! Please submit your resume and a cover letter highlighting your relevant experience and why you are the ideal candidate via the link below.

Coverage Direct is an equal opportunity employer. We value diversity and are committed to creating an inclusive workplace for all employees.


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