Refer a Friend to Covered By Us and Get Rewarded
If you've had a great experience with Covered By Us, share it with the people you know. We reward your referrals because word-of-mouth from satisfied clients is how we grow.
- Easy online referral process — takes less than two minutes
- Your friend gets expert guidance from an independent agent
- You both benefit when they get a quote or become a client
One of the best compliments we get is when an existing client refers a friend or family member to Covered By Us. That kind of trust doesn't come from advertising — it comes from delivering actual value, building relationships, and solving insurance problems in ways that matter to our clients' lives. If you're happy with your coverage and the service you've received, we'd love for you to share that with people you know who might need independent insurance advice.
This page explains how our referral program works, what happens when someone you refer reaches out, and how both you and your referral benefit from the connection. We've kept the process simple intentionally — you shouldn't have to jump through hoops to tell us about someone who might need our help. A quick referral form, and we take it from there.
Whether it's a friend looking to shop their auto insurance, a family member who just bought a home, a colleague thinking about business insurance, or anyone else in your circle who needs multi-carrier quotes and straightforward advice, you can send them our way. We'll take great care of them, just like we take care of you.
Who Can You Refer?
Our referral program works for anyone you know who might benefit from independent insurance guidance. Here are common scenarios:
Friends or Family Buying Their First Home
New homeowners often feel overwhelmed by insurance options and unsure what coverage they actually need. If you know someone who just closed on a house or is in the process, connecting them with an independent agent who'll actually explain their options can save them thousands in unnecessary premiums and prevent costly coverage gaps.
Someone Recently Moving to California
People relocating from other states often don't understand California's specific insurance landscape — wildfire exposure, earthquake risk, regulatory differences, and multi-carrier shopping. Referring them to us means they start their California journey with insurance that actually fits the state's risks.
Friends or Family Managing a Business
Business owners need more than the standard homeowners policy can provide. If someone you know is starting or growing a business, they likely need commercial liability, workers' comp, or property coverage designed for their specific situation. A referral connects them with an agent who understands business insurance.
Colleagues, Neighbors, or Acquaintances Mentioning Insurance Frustration
Sometimes you overhear someone frustrated about high premiums, lack of coverage options, or an agent who doesn't understand their situation. A casual referral to Covered By Us could be exactly what they need to find better coverage or lower costs through competitive shopping.
Anyone Switching Insurance Carriers or Reviewing Coverage
People shop their insurance infrequently, often staying with the same carrier for years even when rates have climbed or coverage has changed. If someone mentions thinking about switching or wondering whether they're overpaying, a referral gives them a reason to actually get competitive quotes.
Types of Coverage You Can Refer
Homeowners Insurance
Friends or family who've just bought a home, are renewing their policy, or are curious whether they're paying too much. We shop multiple carriers for homeowners coverage and help people understand exactly what they're protecting.
Auto Insurance
Anyone updating their auto policy, adding a vehicle, or just tired of what they're paying. Multi-carrier shopping often uncovers better rates or coverage options people didn't know were available.
Condo Insurance
First-time condo buyers, investors, or longtime owners who've never really understood the gap between their individual HO-6 policy and the building's master policy. Condo insurance confusion is common — a professional conversation clarifies it.
Renters Insurance
Tenants often don't realize their landlord's property policy doesn't cover their personal belongings. If someone you know is renting, renters insurance is typically affordable and essential — a referral could protect them for less than $20 a month.
Business Insurance
Small business owners, freelancers, contractors, or anyone self-employed who needs liability coverage, workers' comp, or property protection. Many operate without adequate business insurance simply because they don't know where to start.
Umbrella Insurance or Earthquake Coverage
Friends concerned about lawsuit exposure, earthquake risk, or protection beyond what their standard policy provides. These endorsements often make sense and are surprisingly affordable when added through a multi-carrier agent.
How the Referral Process Works
Getting someone connected with Covered By Us is straightforward. Here's what happens at each step:
Submit Your Referral
Tell us who you're referring by completing the simple referral form on this page. You'll provide your referral's name, phone number (or email if that's easier), the type of insurance they're interested in, and any other details that help us understand their situation. The whole process takes a couple of minutes.
We Reach Out to Your Referral
Within one business day, we contact the person you've referred using the contact information you provided. Our team introduces ourselves, explains what we do, and gets a sense of what they need. We're not aggressive — this is just a friendly conversation to see if we can help. If your referral isn't ready to talk, we note that and give them space.
Your Referral Gets Quotes and Guidance
If your referral wants to move forward, we handle everything from there. We gather information about their current situation, explain what coverage they need, shop multiple carriers, and present quotes with clear explanations of what each option includes. We answer questions and help them understand the tradeoffs between cost, coverage, and carrier choice.
Your Referral Gets a Policy (or Decides Not To)
Some referrals decide to move forward with Covered By Us; others decide to stay with their current carrier or try a different agent. That's perfectly fine. We only earn referral benefits if your friend actually gets a quote from us, and the relationship works if it's right for them.
You Get Your Referral Benefit
Once your referral has connected with us and gotten a quote, we reach out to confirm the referral was successful and explain what benefits you've earned. Those might include account credits, service discounts, or other rewards depending on what we're offering. We keep the benefit process simple and transparent.
Good to Know About Referrals
A few practical points that help set expectations for how the referral process works:
Processing Time
When you refer someone, we contact them within one business day. We reach out by phone if you've provided their number, or by email if that's what's available. If they're not immediately available or want to shop on their own timeline, that's fine — we'll follow up at a reasonable pace but won't hound them.
Your Referral's Privacy
We only contact people you refer using the information you provide, and only for the purposes of discussing insurance. We never sell or share referral contact information with third parties. Your referral can opt out of communication at any time.
When Referral Benefits Activate
Referral rewards apply when someone you refer gets a quote from us or becomes a client. We'll reach out to confirm the details once they've had their initial conversation with our team. You'll get contact from us to explain what benefits have been earned.
No Referral Limit
There's no cap on how many people you can refer or how many referral benefits you can earn. If you know lots of people who might need insurance, keep the referrals coming. We track them and reward ongoing participation.
Your Existing Relationship Doesn't Affect Benefits
Whether this is your first referral or your tenth, referral benefits apply the same way. Being an existing client doesn't exclude you, and neither does having referred friends in the past. Each referral is treated independently.
California Insurance Agent Responsibilities
As a California insurance agency, we operate under state regulations that govern how we conduct business, including how we handle referrals. California law requires that we be transparent about our business practices, that we not misrepresent ourselves or our services, and that we protect the privacy and confidentiality of client information. Our referral program operates within those guidelines — we don't sell or share referral information, we don't make promises we can't keep, and we're upfront about how multi-carrier shopping works.
When you refer someone to us, you're connecting them with licensed insurance professionals who hold California Department of Insurance licenses to sell and negotiate insurance on behalf of clients. We act as a fiduciary to our clients, meaning our job is to find them the best coverage available, not to sell whatever's most profitable for us. That duty applies equally to people you refer.
Transparency and Honest Representation
We represent ourselves accurately to everyone, including people you refer. We're an independent agency — we don't work for or represent a single carrier, and we're compensated by commissions from insurers, not by markups on premiums. We disclose this upfront so referrals understand how our business works.
Privacy and Data Protection
Referral contact information is protected and used only for the purposes of insurance discussions and following up on the referral. We comply with California privacy law and don't share or sell referral information. Your friend's privacy is as important to us as yours.
No Pressure or Misrepresentation
We contact referrals in a professional, respectful manner without pressure tactics or misleading claims. If someone's not interested, we accept that. We represent our services honestly — we shop multiple carriers, we explain options thoroughly, and we help people make informed decisions. No bait-and-switch.
What to Have Ready When You Refer
To make the referral process as smooth as possible, gather a few simple details about the person you're referring:
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Referral Program Terminology
A few terms that come up in conversations about referrals:
- Independent Insurance Agent
- An agent who represents multiple insurance carriers, not just one. Independent agents shop multiple insurers on your behalf and recommend coverage based on your needs and the best available price, not company loyalty. That's the model Covered By Us operates under.
- Multi-Carrier Shopping
- Getting quotes from multiple insurance companies for the same coverage so you can compare price and features side-by-side. Independent agents do this routinely; captive agents represent only one carrier.
- Referral Benefit or Referral Reward
- The reward or benefit you receive when someone you refer to Covered By Us gets a quote or becomes a client. This might be an account credit, a service discount, or other reward as determined by our program.
- Commission
- How independent insurance agents are compensated. Insurers pay a commission when they issue a policy; we don't charge clients separately for our work. Our compensation comes from carriers, not from markup on your premium.
- Quote or Insurance Quote
- A formal estimate of what an insurance policy will cost, including the coverage limits, deductible, and any endorsements or riders. A quote shows what you'd pay before you commit to buying a policy.
Why Refer Someone to Covered By Us
If you're referring someone to Covered By Us, it's probably because you value what we do for you — we shop multiple carriers, explain options clearly, and actually listen to what you need rather than pushing a predetermined product. Those same things apply to everyone you refer. We're not a big corporate insurance company; we're an independent agency based in Pomona with roots in this community. That independence matters because it means we can put your friends' needs first, not a corporate agenda or a single carrier's preference. When you refer someone, you're connecting them with an agency that will treat them the same way we treat you.
Referrals are how we grow, and we take that responsibility seriously. The people you refer to us aren't transactions — they're people you know and trust enough to recommend. We earn that trust by delivering actual value: straightforward advice, competitive shopping, honest explanations of tradeoffs, and service when they have questions or need to file a claim. If we do that well, sometimes your referrals become clients, and sometimes they don't — but either way, we've earned the right to be recommended by you because we showed up for them professionally and thoughtfully.
Frequently Asked Questions
How do I know if someone I know would be a good referral?
Do I need to ask someone's permission before referring them?
What happens if my referral decides not to get insurance from Covered By Us?
Can I earn unlimited referral benefits, or is there a limit?
How long does it take for me to hear that a referral was successful?
Are there any restrictions on who I can refer?
If I refer someone and they become a client, how does that affect my relationship with Covered By Us?
Coverage that keeps you secure
Reliable protection for everyday life.
Home Insurance
→Protect your house, belongings, and liability against fire, theft, and California-specific risks — with your options explained clearly.
Auto Insurance
→Coverage for accidents, liability, and vehicle damage. We shop multiple carriers so your rate fits how you actually drive.
Renters Insurance
→Protection for your belongings and liability in any rented apartment, house, or condo — often for just a few dollars a month.
Motorcycle Insurance
→Coverage built for riders, from daily commuters to weekend cruisers — including options for gear and custom parts.
RV Insurance
→Protection for motorhomes and travel trailers, on the road and parked — coverage that follows every mile.
Umbrella Insurance
→An extra layer of liability protection above your home and auto policies, shielding your savings and future income.
Coverage Built for Contractors and Trades
Support that keeps your work moving.
General Liability Insurance
Core protection for third-party injury and property damage claims. Supports contracts, job requirements, and everyday business risk.
Read More
Workers Compensation
Protects injured employees and keeps you compliant with California requirements — essential for nearly every employer in the state.
Read More
Commercial Auto Insurance
Coverage for work trucks, vans, and fleets — protecting your drivers, your vehicles, and the business behind them.
Read More
Contractor Insurance
Coverage built for trades and service professionals across Southern California — tools, equipment, and jobsite liability.
Read More
Cyber Liability Insurance
Helps your business respond and recover when data is breached — from customer notification to system restoration.
Read More
Commercial Property Insurance
Protects your building, equipment, and inventory against fire, theft, and covered damage — so one loss never stops the business.
Read MoreRelated Coverage
Get Started
After you submit, we'll contact your referral within one business day to introduce ourselves and discuss what they need.
Ready to Refer Someone?
Send us their information and we'll take it from there. If you have questions, call 909-278-7053 or use the contact form below.
Refer Someone Today Prefer to talk it through? Call 909-278-7053Visit Our Office
981 Corporate Center Dr Ste 150, Pomona, CA 91723