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.

Looking for a career with Coverage Direct? See all of our open opportunities.


Press Release

Coverage Direct Is Now a Credit Union Service Organization

NEWS RELEASE For Immediate Release May 2022 Cedar Rapids, IA – Founded in 2016 by Zach Mefferd and Ryan Swalve, Coverage Direct has quickly become …

Read More →
Offering customers credit union insurance services Insurance

5 Reasons a Credit Union Should Offer Insurance Services

Credit unions are known for their excellent customer service, low interest rates and fees, and high savings rates. They put their members first and go …

Read More →
Employee from a bank-owned insurance agency shaking hands with a client Insurance

Why a Bank-Owned Insurance Agency is the Next Big Thing

A recent study conducted by PYMNTS found that 18% of Millennials and 20% of Gen Z look to their financial institutions for insurance information. These …

Read More →
Advisor from a financial institutions offering insurance advice Insurance

Financial Institutions and Insurance Go Together Like Popcorn and Butter

Has your financial organization ever considered offering insurance to customers? Read on to learn why it could be a strategic next move for your business. …

Read More →

"*" indicates required fields