Expanding Our Capacity: District Cover Raises TIV Limits to $10M

Written By Steven Patrick Lynch

At District Cover, we’ve always believed that businesses in America’s cities deserve better insurance solutions. Too often, they’re overlooked by traditional carriers — squeezed between platforms that only cater to “very small business” and middle-market carriers who won’t look at them until they’re $15M+ in value.

That’s why we’re excited to announce an important milestone: District Cover has expanded our Total Insured Value (TIV) limit from $5M to $10M for select classes of business. This isn’t just a bigger number. It’s about closing a critical gap in the market, what we call the Schmiddle, and giving our distribution partners the ability to serve more clients with confidence.

The Schmiddle: An Overlooked Market With Real Opportunity

The commercial insurance landscape is bifurcated:

  • Small business platforms are quick and tech-driven, but built for <$2M accounts.

  • Middle-market programs want $15M+ TIV, $100k+ premiums, and come with layers of underwriting red tape.

That leaves a coverage and confidence gap in the $5M–$10M range. The businesses in this gap are some of the most important players in their neighborhoods:

  • Family-owned retailers expanding into new locations.

  • Restaurant groups scaling into multi-unit schedules.

  • Mixed-use landlords maintaining legacy buildings in high-density corridors.

  • Real-estate developers with an eye and space to bolster community in the area

Most say “no” to these accounts. At District Cover, we were built to say “yes.”

Why This Expansion Matters

Raising our TIV limit to $10M is a signal of confidence in our carrier partners, underwriting team, our broker partners, and the city businesses we serve. It matters because:

  • We help brokers retain scaling clients. As insureds grow, they often outgrow their insurance. We give you the capacity to keep them in-house.

  • We strengthen agents' competitive edge. Very few markets are willing to step into this space, especially in challenging ZIPs. With District, you stand apart.

  • We back growth with discipline. This isn’t about relaxing underwriting; it’s about leveraging our expertise, data, and results to support larger accounts responsibly.

Simply put: We own the Schmiddle. And we’re expanding our capacity to make sure our brokers can own it too.

Built for Brokers. Built for Cities. Built for the Future.

At District Cover, our mission has never wavered: expand access, deliver certainty, and provide long-term coverage for businesses in America’s cities. This TIV expansion is just one step in our journey, but it’s an important one. It shows that we’re not just keeping pace — we’re leading the way in building a market for the businesses that fuel our neighborhoods.

To our distribution partners: thank you for being part of this journey. We can’t wait to see what we build together next. And if you’re not working with District Cover yet, there is no time like the present. 

Steven Patrick Lynch
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