Covr. It will change the way you think about insurance.

see how it works

Who we are

We are a team of professionals who conceive and implement innovative solutions to specific, complex business problems. Our approach is pragmatic and systematic … but we also want to challenge every assumption, explore revolutionary possibilities, deconstruct even the most unshakable principles when evidence shows they are no longer working. That’s why we often look to technology, which can re-animate a tired industry. The challenges we like best are the ones that seem most intractable – where something is systemically wrong, where accepted practices are hopelessly outdated, where a fundamental disconnect between consumer and provider threatens to derail an entire industry. These are the kinds of problems we like to solve.

Which is what led us to insurance – an industry where the traditional model no longer works for many consumers, so much so that many responsible Americans are leaving themselves underinsured. Trends suggest that it is getting worse. Covr is designed to solve this problem.

Advisory Board

What is Covr?

Covr is an entirely new approach to insurance. It helps consumers get the protection they want for their families, without the confusion and aggravation of traditional insurance purchases. The Covr platform provides access to policies from well-known, dependable insurers. Policies are offered through financial institutions and advisors, so consumers can work with someone they already trust while integrating protection into their financial lives. Covr features a simple online interface that lets consumers find information, calculate their specific needs, compare coverage, get quotes, even purchase policies. There are a wide variety of policies available, and help is also available by phone.

Bottom line: Covr makes it easy to find the right policy, at the best price, with none of the usual hassles of buying insurance.

The truth about insurance

Americans are underinsured.

More than half say they couldn’t survive a single year financially without the income of their primary earner.

They want to protect their families.

Consumers recognize the problem of not having insurance, and realize that it gets worse as they get older and accumulate wealth.

But they don’t like buying insurance.

It’s a long process, the products are confusing, there’s a lot of paperwork and consumers don’t want to deal with agents. So, they do nothing.

Now there’s a better way. It’s called Covr.

How it works

1.

Determine what they need

“Help Me Decide” tools help analyze needs and identify proper type and amount of coverage.

2.

Evaluate choices and costs

Easy-to-compare quotes from top carriers that also include alternative coverages.

3.

Buy a policy

Many require only basic information; coverage can be issued within 10 minutes.

Streamlining the entire insurance process for institutions, advisors and consumers.

How is it different?

Covr is online.

Needs assessment, product information, price comparison and policy application are all done through an easy-to-use mobile or desktop interface. Consumers are in control of the entire process.

Covr assures good value.

Covr’s custom-branded comparison charts help consumers find the best deals on the right policies from top providers. Consumers have the choices they demand.

Covr is accessible.

Covr is available through financial institutions and advisors that consumers know and trust. Consumers get the insurance they need, when, where and how they want it.

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Bill Benjamin

Chief Executive Officer

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Bill joined Covr as the Chief Executive Officer in October 2016 after having spent the past 8 years at US Bank where he served as the Chief Executive Officer of U.S. Bancorp Investments.  As chief executive officer for U.S. Bancorp Investments, a division of U.S. Bancorp’s Wealth Management Group, Bill led a national team of wealth management professionals who specialized in investment management, financial planning and insurance services to help clients in achieving their life priorities and ambitions. Prior to joining US Bank, Bill held leadership roles in wealth management at UBS, and at Piper Jaffray in its Private Client and Investment Banking groups.

Bill believes leadership is about achieving positive results through an engaged and motivated team inspired by a compelling vision. He believes in people, and one of his greatest joys is seeing people and teams achieve extraordinary results for clients.  Bill developed a passion for the financial service industry while leading a team at IBM that was dedicated to a large insurance company. A senior leader at the insurance company was a key mentor for Bill. The lessons he learned taught him the valuable leadership skills he has been applying ever since.

Bill graduated with a bachelor’s degree from St. Olaf College in Northfield, Minnesota and an M.B.A. from the University of Minnesota, Carlson School of Management in Minneapolis, Minnesota. He has been an active member of the community as past president of the Edina Baseball Association’s board of directors and as a youth baseball, hockey and soccer coach. He is also a past member of the Hobey Baker Committee and Edina Soccer Club board of directors. Bill served on the Insured Retirement Institute (IRI) Executive Board and the ABA Securities Association Board (ABASA). He was also a member of the Securities Industry and Financial Markets Association (SIFMA) Private Client committee and the (CEB) Corporate Executive Board. Bill values spending time with his children. He is an avid sports enthusiast and enjoys skiing, biking, hiking and running. Bill also appreciates the art of wildlife photography and believes in the importance of balance in mind, body and spirit.

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Todd Ruplinger

Founder & Vice Chairman

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Todd is the founder and Vice Chairman of Covr, having guided the vision and growth of the firm since its’ inception as 1Click Coverage in 2013.

Since the company’s early days, Todd has been committed to utilizing the power of technology to simplify the insurance experience for advisors and consumers, and spends most of his time working closely with Covr’s wide range of financial institution clients.

  Todd began his career in insurance sales, and previous positions included life specialist at Northwestern Mutual and John Alden. While at John Alden, Todd was recognized as the number one producer nationally where he developed a strong specialization in financial planning. After leaving John Alden, Todd decided to pursue his own independent brokerage business and created Covr’s sister company – National Brokerage where he continues to lead and mentor a diverse team.

  Todd’s career of sales success and his relentless pursuit of excellence have been the driving forces behind the Covr platform’s continued improvement and success.His passion to simplify the insurance process has also driven him to create three innovative insurance platforms that have streamlined the insurance process.  These industry leaders are the Brokerage Management System (Agency Management System), OES (insurance client management system) and 1clickcoverage (direct to consumer insurance system).  Todd continues to look for better solutions by listening consumers and partners.

  Todd is a graduate of Boise State University, he resides in Boise, ID.

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Amy Huntington Salerno

Chief Operating Officer &
Chief Financial Officer

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Amy has 20 years of experience managing financial service operations and in structured products origination. Amy joined Covr from Pioneer Wealth Partners, a multi-family office and wealth advisory boutique where she was the Chief Operating Officer. Prior operational management roles include Greentech Capital Advisors where Amy was a Principal in the operations and business development area and BroadStreet Capital Partners, a multi-strategy hedge fund, where Amy oversaw operations. Amy began her career at Lehman Brothers in the structured products and mortgage backed securities groups. Amy received a B.A. in Economics with Distinction from Cornell University and an M.B.A. from the Tuck School of Business at Dartmouth.

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Michael Gallary

Chief Marketing Officer

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Michael has more than 20 years of strategic marketing experience, with deep expertise in financial services. Prior to joining Covr, Michael spent 12 years at Morgan Stanley in New York where he was most recently Managing Director and Global Head of Brand Marketing leading a team that handled advertising, digital media, sponsorships and market research across all of Morgan Stanley’s businesses. Prior to being named Global Head of Brand Marketing, Michael led Morgan Stanley’s Wealth Management marketing during Morgan Stanley’s joint venture and acquisition of Smith Barney from Citigroup. Michael joined Morgan Stanley’s Firmwide Branding group as a Vice President in 2004 after more than four years in account and leadership roles within two of the world’s largest digital agencies. Michael began his career in marketing at the American Express subsidiary The Boston Company in Boston, Ma, and earned a Bachelor of Fine Arts degree from the University of Connecticut, and completed the three-year Securities Institute at The Wharton School at the University of Pennsylvania.

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Chris Bergeon

Head of Business Development

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Chris has more than 20 years of experience in strategic management and distribution at the intersection of insurance, banking and investments. Prior to joining the team, Chris served as the head of retail life and annuity distribution for Great-West Financial where he led the start-up and development the business which grew to a leadership position in the financial institutions markets. Chris also worked at Deloitte Consulting where he helped build the Northeast Region’s financial services industry group’s Strategy and Operations practice. Early in Chris’s career he worked with Aetna and Fireman’s Fund in the property and casualty insurance business.

Chris received his Bachelor’s degree in Finance and Marketing from the University of Denver, and obtained his MBA from The Wharton School of Business at the University of Pennsylvania. He enjoys ice hockey, skiing, and spending free time in the rocky mountains with his family.

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John Clifford

Head of Platform &
Client Implementation

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John has extensive international insurance experience ranging from start-ups to multi-billion dollar corporations. In all of his roles he has leveraged the power of technology. Prior to Covr John’s previous roles include co-founder of P2 Group (Bermuda) and President of Old Mutual plc’s US and International insurance business overseeing $26bn of assets and $4bn of annual insurance sales starting from a zero base. Prior to Old Mutual John was with Jackson National Life and Prudential plc both in the United States and the United Kingdom. John began his career with the Financial Institutions Group of Touche Ross in London. John graduated from the University of Bristol and is a Fellow of the Institute of Chartered Accountant in England & Wales.

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Eric Carlson

Head of Technology

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For over 10 years, Eric has guided Covr’s technological growth and development from its early stages to its current position as a key player in the insurance industry. In his current role, Eric focuses on solutions architecture, IT infrastructure and service management, DevOps, business development, and he ensures continued integration and implementation of the latest technologies with new and existing business processes. He also maintains broad oversight and direction of the teams responsible for software development, IT, and support. Apart from his experience with Covr, Eric has more than 18 years of experience in the IT industry. In his previous IT leadership roles, with both large and small corporations, Eric was responsible for developing enterprise-scale applications and implementing complex infrastructures. Eric has also successfully managed his own software consulting company, maintaining a diverse portfolio of clientele. Eric earned his Bachelor of Science degree in mechanical engineering from Boise State University.

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Carol Goetsch

Head of Product
& Carrier Strategy

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Carol has more than 20 years of experience with insurance carrier product and sales design, management and distribution. She previously served as the head of insurance for both US Bank and UBS Financial services. Prior to her role as head of insurance, she served as an estate planning consultant at Prudential Securities. Most recently she focused specifically on advisor and client education with financial planning and the integration of insurance product for mass affluent, affluent, and high net worth clients. Carol has held senior level positions with major financial institutions including, Hartford Life and Northwestern National Life working direct with consumers and agents. She enjoys the outdoors and spending time with her family.

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Brian Finn

Chairman, Advisory Board

Brian Finn has over 30 years of experience in financial services. Previous roles include Chairman and Chief Executive Officer of Asset Management Finance Corp., a private investment firm that owns stakes in investment managers. At the time of Mr. Finn’s retirement the AMF portfolio included 17 investments with over $75B of AUM. Previously, Mr. Finn was Chairman and Head of Alternative Investments (AI) at Credit Suisse (in excess of $100B of AUM). He held various positions within CS, including President of Credit Suisse First Boston, President of Investment Banking, Co-President of Institutional Securities, CEO of Credit Suisse USA and a member of the Office of the Chairman of CSFB. He was also a member of the Executive Board of Credit Suisse Group. He began his career in 1982 as a member of the Mergers & Acquisitions Group (M&A) at The First Boston Corporation (subsequently merged with CS), ultimately becoming Co-Head of M&A in 1993. He has advised on dozens of transactions worth well over $100 Billion. Mr. Finn is currently advising several firms in "Senior Advisor", Chairman or similar roles including KKR, Star Mountain Capital, Tunbridge Capital and NYCA Venture Capital. He is also on the boards of Owl Rock Capital, Scotts Miracle Gro, Waveguide and China Renaissance Capital. Mr. Finn is past Chairman of the Undergraduate Executive Board of The Wharton School of the University of Pennsylvania, Vice Chairman of the Board of the City Kids Foundation and a member of the Boards of the Intrepid Fallen Heroes Fund, and the Gordon A. Rich Memorial Foundation. Mr. Finn received a Bachelor of Science Degree in Economics from The Wharton School of the University of Pennsylvania.

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Hans Morris

Advisor

Hans Morris is Managing Partner of Nyca Partners, a NY and SF based Venture Capital Firm. Hans is a director of portfolio companies Lending Club, Payoneer and Cardworks. Previously, he was Managing Director at General Atlantic, a global growth equity firm, where he continues to serve as a director for KCG. From 2007-2009, he was President of Visa while it completed its reorganization and 2008 IPO, which remains one of the largest in history. He was at Citigroup and its predecessors for 27 years in various roles, including CFO of the institutional businesses, COO of the investment bank, and head of the financial services group. Hans is a graduate of Dartmouth College.

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Gary Parr

Advisor

Gary W. Parr is a Senior Managing Director at Apollo Global Management where is also a Co-Chairman of the firm's Management Operating Committee. Previously, Gary was a vice chairman of Lazard. For 30 years, Mr. Parr has focused on providing strategic advice to financial institutions worldwide. He advised on transactions such as the sale of Lehman Brothers’ North American investment banking business to Barclays, the sale of Bear Stearns to JPMorgan, the U.S. Treasury–led restructuring of Fannie Mae, Mitsubishi UFJ’s investment in Morgan Stanley, Kuwait’s investment in Citigroup, China Investment Corporation’s investment in Morgan Stanley, the merger of Bank of New York and Mellon, the New York Stock Exchange becoming public, and the sale of Donaldson Lufkin & Jenrette to Credit Suisse First Boston. Prior to joining Lazard, Mr. Parr served Morgan Stanley in numerous capacities. He was a vice chairman of the Securities Business as well as chairman and head of Global Financial Institutions, having earlier co-headed the Global Mergers and Acquisitions Department. Prior to Morgan Stanley, Mr. Parr was with a group from First Boston that formed Wasserstein Perella, where he rose to co-president. Mr. Parr currently serves as the chairman of Venetian Heritage as well as the chairman of the Parr Center for Ethics at the University of North Carolina at Chapel Hill. He previously served on the board of the Kenan-Flagler Business School of the University of North Carolina at Chapel Hill. He graduated with honors, Phi Beta Kappa and Beta Gamma Sigma, from the University of North Carolina and received his M.B.A. from Northwestern University.

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Sallie Krawcheck

Advisor

Sallie Krawcheck’s professional mission is to help women reach their financial and professional goals. This spans several businesses: she is the CEO and Co-Founder of Ellevest, a just-launched digital investment platform for women. She is also the Chair of Ellevate Network, the global professional woman’s network. And she is the Chair of the Pax Ellevate Global Woman’s Index Fund, which invests in the top-rated companies in the world for advancing women. Krawcheck is the past CEO of Merrill Lynch Wealth Management, the largest wealth management business in the world, at $2.2 trillion in client balances. She has a track record of turning around and innovating to drive growth in a number of businesses. These include: Reversing the decline in Merrill Lynch’s profitability and Advisor headcount and stabilizing US Trust while at Bank of America, gaining share across the wealth management businesses; Separating research from investment banking at Citi, to restore the business’ reputation and profitability in the wake of the Wall Street research scandal; Substantially growing Sanford Bernstein’s research business by avoiding the conflicts of investment banking; and Integrating and launching the innovative Merrill Edge, Merrill Lynch’s on-line offering. In addition, alone among senior Wall Street executives, Krawcheck reimbursed individual investor clients for a portion of losses incurred during the financial downturn from poorly performing products sold by Citi and, later again, at Bank of America. Prior to joining Bank of America, Krawcheck was the CEO and Chair for Citi Global Wealth Management, responsible for Smith Barney, the Citi Private Bank, and Citi Investment Research. During her time at Citi, she was also a member of the senior leadership committee and executive committee. Krawcheck joined Citi in October 2002 as Chair and CEO of Smith Barney, where she oversaw the global management of the Smith Barney and Citi Investment Research businesses. In 2004, she was appointed Chief Financial Officer for Citigroup. In this role she was responsible for a number of asset dispositions, including the sales of Travelers P&C and Citi Asset Management. Prior to joining Citi, Krawcheck was Chair and CEO of Sanford C. Bernstein & Company. She began her career as a research analyst, covering the financial services industry, a role in which she was consistently ranked first in her field by “Institutional Investor.” Krawcheck was named number 9 on Fast Company’s 2014 “100 Most Creative People in Business” list, as well as one of “10 Up and Coming Leaders to Watch” by Entrepreneur Magazine. During the research scandals, Fortune Magazine called her “The Last Honest Analyst” and noted that hers was the most influential voice for research quality and integrity. She has been listed as one of Forbes’ and Fortune’s “Most Powerful Women” in business and U.S. Banker’s top “Woman to Watch.” She is a past recipient of CNBC's “Business Leader of the Future Award,” was one of Time magazine’s “Global Business Influentials,” Fortune’s “Most Influential Person Under the Age of 40” and an “Institutional Investor” top CFO in financial services. She was recognized by the World Economic Forum as one of its Young Global Leaders. A native of Charleston, South Carolina, Krawcheck attended the University of North Carolina at Chapel Hill on the Morehead Scholarship and graduated in 1987 with academic honors in Journalism and Political Science. In 1992, she received a Master of Business Administration from Columbia University. An active participant in the affairs of her alma maters, Krawcheck has endowed her former secondary school, The Porter Gaud School, with the Krawcheck Scholarship, a needs-based scholarship awarding full tuition to students of exceptional aptitude. She is on the Board of 2U. She is a member of the Systemic Risk Council, founded by Sheila Bair; is on the Bretton Woods Committee, and the board of overseers of Columbia University Business School. Krawcheck is a past member of the Board of Directors of Dell Inc, Blackrock, Carnegie Hall and the NY Economic Club.

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Brady Dougan

Advisor

From 2007 to 2015, Brady W. Dougan was the Chief Executive Officer of Credit Suisse, and a member of the Executive Board since 2003. Prior to his appointment as CEO of the Group, Mr. Dougan was the CEO of the Investment Banking division and the CEO of the Americas region. After starting his career in the derivatives group at Bankers Trust, he joined Credit Suisse First Boston in 1990. He was the Head of the Equities division for five years before he was appointed the Global Head of the Securities division in 2001. From 2002 to July 2004, he was the Co-President of Institutional Securities at Credit Suisse First Boston, and from 2004 until 2005, he was CEO of Credit Suisse First Boston and, after the merger with Credit Suisse in May 2005, he was the CEO of Investment Banking until 2007. Mr. Dougan received a BA in Economics in 1981 and an MBA in finance in 1982 from the University of Chicago, Illinois. Mr. Dougan has been a member of the Board of Directors of Humacyte Inc., a biotechnology company, since 2005. He has also been a member of the Board of Trustees of the University of Chicago since January 2013.

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Matt Muta

Advisor

Matt Muta is Vice President – IT Innovation and Commercial Technology for Delta Air Lines. In this role, Matt and his team are responsible for driving results through innovative solutions and technology that will have a positive impact for the commercial side of the business. Prior to Delta, Matt served as Global Managing Director for Hospitality and Travel for Microsoft Corporation. In this role, Matt was responsible for developing Microsoft’s comprehensive solutions framework that enables the next generation of Hospitality and Travel innovation. Additionally, he served as Corporate Vice President of Web Technologies and E-Business for Albertson’s Food & Drug, Inc. Matt is a graduate of Boise State University, and serves on the Board of Directors for the YMCA and Boise Hoop Dreams.

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Neal Wolin

Advisor

Neal was most recently Deputy U.S. Treasury Secretary, under Secretaries Tim Geithner and Jack Lew. In that position, Neal was the Chief Operating Officer of the department and worked on the broad range of economic recovery and financial crisis issues and was a key architect of the Obama administration's financial reform plan. He also played a critical role on international economic matters, working with finance ministries, central banks and major international financial institutions on economic growth, financial reforms and economic sanctions issues. His experience in government also includes time as Deputy Assistant and Deputy Counsel to the President for Economic Policy in the Obama administration and as General Counsel of the U.S. Treasury and member of the National Security Counsel staff in the Clinton Administration. Outside of his government service, Neal practiced law at Wilmer, Cutler & Pickering, and served as President and Chief Operating Officer of the property and casualty insurance companies of The Hartford Financial Services Group, Inc., where he was a client. Neal graduated from Yale with a B.A. in History and holds a Master of Science in Development Economics from the University of Oxford, as well as a J.D. from Yale Law School.

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Chris Liddell

Advisor

Christopher Liddell joined the sports and entertainment company WME-IMG in 2014, having previously been Chief Financial Officer of Microsoft and Vice Chairman and CFO of General Motors. He is Chairman of technology company Xero and director of WME-IMG Venture Capital. He is also the Chairman of the NEXT Foundation, which is involved in major philanthropic projects in education and the environment and was previously a director of the New Zealand Rugby Union. Mr. Liddell received his Bachelor of Engineering with honors from Auckland University. He received his Master of Philosophy from Oxford University. In 2015, Mr. Liddell was awarded the New Zealand Order of Merit (CNZM) for services to business and philanthropy.