How-to: Teams, seats & billing

Run CoverGuard for a whole office under one subscription, and manage your plan — invite teammates, buy seats, and keep everyone on the right tier.

Who this is for: Account owners and company admins. Where: plans on /pricing, office purchases on /teams, and member management under Account → Settings → Team.

Plans & tiers

Every professional audience on /pricing — agents, CRE brokers, lenders and insurance brokers — sees three columns: Individual (one plan for just you, with a Starter / Pro switch — $29 or $79 a month), Team ($35 a seat, 3 to 10 seats) and Enterprise (11 or more seats, priced with our team). Each plan carries your audience's name: an agent sees Agent Starter, Agent Pro, Agent Team and Agent Enterprise; a lender sees Lender Starter, Lender Pro, Lender Team and Lender Enterprise; CRE brokers see CRE … and insurance brokers Carrier …. Home buyers and sellers see Free and Home Buyer Pro or Home Seller Pro. Upgrade prompts and the plan comparison table use the same names. (Until October 2026 the agent plans were called Agent Starter, Professional and Brokerage, and the lender and insurance plans above Starter were sold only through sales.) Higher tiers lift usage caps and unlock pro features (client management, quote requests, analytics, branded reports, alerts, integrations, API, and more). Compare them on /pricing — the page renders a live persona × tier matrix so you see exactly what your role gets at each tier.

Not sure which plan covers your office? Under the plan cards on /pricing, pick a plan and type how many people need it. The page names the plan that covers them and what it costs a month. Starter and Pro are for one person, so two or more people get the Team plan. Team is billed for at least 3 seats, and more than 10 people move to Enterprise, which is priced with our team. The button under the answer takes you to that plan's card, where you buy it.

Free tier caps: 1 property search, 1 property Record and 5 Advisor questions, lifetime. Enough to try it on a real property.

Your one free Record. The first property whose Record you open on the free plan is yours to keep, re-readable as often as you like, forever. It carries the CoverGuard Score, the full risk profile (every hazard scored, with its sources), and your cost to insure as a range. The deeper analysis — cost by peril, carriers, the coverage gate, required coverage, placement difficulty, cost burden, the FAIR Plan model, the full insurability reasoning and the ways to lower the premium — stays on the page behind a lock, each with a line saying what is inside, and opens on a paid plan. Every other property shows the band and the property details until you upgrade.

Seats — how many people can work under your plan

Members inherit the account owner's plan, so teammates get your tier automatically. Free, Starter and Pro are individual plans — the account holder only — so adding teammates needs the per-seat Team plan. If you invite someone on an individual plan, you'll be asked to upgrade. Teammates who joined while those plans still included extra seats show an "Over seat limit" badge until you move to the Team plan.

What teammates see on the pricing page. Your plan card reads "Provided by your team", and every other paid card reads "Managed by your team owner" — only the owner can change the company's plan, so there is nothing for a teammate to buy or switch.

Eleven seats or more is Enterprise. If your company pays for 11 or more seats, the pricing page marks Enterprise as your current plan, and the Team card offers "Talk to us about your seats" instead of a switch — that takes you to our sales team with your seat count filled in. A plan CoverGuard provides for your company is also shown as Enterprise.

What Enterprise adds over Team. Enterprise has the same features as Team. What changes is the agreement: volume pricing for 11 or more seats, an annual contract with invoiced billing, custom onboarding and rollout support, SLA-backed support, and a dedicated account manager. The pricing page lists these under Enterprise terms in the comparison table, and Contact sales on the Enterprise card starts that conversation.

Buy seats for an office (Team plan)

1. Go to /teams.
2. Choose a seat count between 3 and 10 — a live total updates as you change it ($35 a seat each month, so 3 seats is $105/month).
3. Check out. The seat quantity is stored on your subscription.

The Buy team seats button on each /pricing Team card ("Agent Team", "Lender Team" …) links here, and /teams names the plan for the pricing page you came from — for example "CRE Team plan" from the CRE Brokers tab, or just "Team plan" if you arrived another way. If you picked Annual on the pricing page before clicking through (and annual billing is offered for Team), /teams keeps that choice — the per-seat rate and the total both switch to annual, and so does what you're charged.

Not sure Team is the right plan? Under the seat selector, /teams shows a preview of what an office account looks like (on sample data, nothing real), and Not sure which plan fits your office? opens a calculator: pick a plan and how many people need it, and it names the plan that covers them and what it costs. Team takes you back to the seat selector; any other plan opens its card on the pricing page.

Want to talk it through first? Talk to sales on /teams opens a short request form for our sales team rather than a product demo, so it reaches the people who can answer questions about seats and billing.

Need more than 10 seats? Online checkout stops at 10. Type a bigger number (or follow a link that asked for one) and /teams tells you so, with a "Talk to us about Enterprise" link that takes your seat count straight to our sales team — named for your audience too, such as "Lender Enterprise".

If a feature you tried to use needs the Team plan, choose Team in the upgrade window ($35/seat/month) and Continue to team plans brings you here.

Monthly or annual billing

/pricing has a Monthly / Annual toggle. Annual pre-pays a year at 20% off the monthly rate — so the $4.99/month Home Buyer Pro plan bills $47.90 a year (the equivalent of $3.99/month), a $29/month plan bills $278.40 a year ($23.20/month), the $79/month plan bills $758.40 a year ($63.20/month), and the $35/seat Team plan bills $336 per seat a year ($28 per seat a month).

• The price on the card is always the price you're charged. Under Annual, each card shows both the monthly equivalent and the yearly amount on your invoice. If a plan isn't offered annually yet, its card keeps showing (and charging) the monthly rate even with the toggle on Annual.
• On the per-seat Team plan the annual rate is per seat, so your total scales with headcount.
• You can switch between monthly and annual later from Account → Settings → Subscription → Change plan. Stripe shows the prorated amount before you confirm.
• Still on the original $20/seat Team price? Your subscription keeps renewing at that price. Because that price is no longer sold, Change plan opens the plain billing portal (payment method, invoices, cancel) instead of the plan-change screen. To add or remove seats, contact support@coverguard.io and we'll make the change for you.

Invite & manage your team

Account → Settings → Team (the team panel; the old /team route redirects here).

• Invite by email with a team role (Owner / Admin / Member). An email that already has a CoverGuard account is linked immediately; otherwise the invite is claimed on their next sign-in. We email the invitee a branded invitation, and the confirmation tells you what happened:
• "Invite sent" — they were emailed.
• "Teammate added" — the seat exists but email delivery isn't set up, so no email went out; a "Copy invite link" button on their row in the Members list (next to the "Invited" badge) copies a real, sharable link — send it to them yourself.
• An error — the seat was created, but the invitation email couldn't be sent (the mailer is configured but the provider rejected it). The teammate still has a seat — copy their invite link the same way — and you'll want to fix email delivery so future invites send.
• The invite link works even when CoverGuard is running invite-only signup: the teammate's page shows "You were invited to join a team" instead of the general invite-only wall.
• Chase a pending invite — every "Invited" row shows how long ago the invite went out ("Invited 9 days ago"). Click Resend on the row to email the invitation again: the seat, its role and its placement stay exactly as they are, so there's no need to remove and re-invite. You'll see the same honest result as a new invite — resent, queued, email not set up (copy the link instead), or an error if the send was rejected. Owner/Admin can resend; only the Owner can resend a pending Admin's invite.
• Bulk invite a whole roster at once — click "Bulk invite" next to "Add a teammate" to switch to paste-or-upload mode. Paste a list of emails (one per line, or comma/semicolon separated) or upload a CSV/TSV file — a file with a header row naming an Email column (optionally alongside a Role column of Member/Admin) is read by column; anything else falls back to picking out anything that looks like an address. Pick a default role for rows with no role of their own, then send. Every address is invited one at a time through the same flow as a single invite (so the normal seat-limit and email-delivery outcomes still apply per person), and the results list shows exactly who was invited and who was blocked and why — a batch that runs into your seat limit partway through still invites everyone it can and tells you which rows didn't make it in. Only Owner/Admin see the "Bulk invite" option, and only the account Owner can grant the Admin role (from a role column or the picker) — a non-owner Admin's batch invites everyone as Member.
• See who is using their seat — each row in Members says when that person was last active in CoverGuard: "Active today", "Active 3 weeks ago", and so on. A pending invite reads "Never signed in". "No recent activity" means we have nothing on record for them lately — a good sign the seat isn't being used. Only Owners and Admins see this; members never see when their colleagues (or they themselves) were last active.
• Change a member's role or remove a member. Only Owner/Admin see these controls. Before you confirm a removal, the dialog lists the systems that teammate connected — and warns you if your company's CRM link runs on one of them. See Connected systems below.
• Set what a teammate gets — click Access on their row. See Set a teammate's role & features below.
• Transfer ownership to another member (Owner only).
• A big company pages its Members list — 50 people per page, with Previous / Next and a "1–50 of 2,000" counter in the list's header. The seat bar and the "Members (N)" count always describe the whole company, whichever page you're on, and every change you make (invite, role, remove, assign) keeps you on the page you were working from. A company that fits on one page sees no pager at all.
• A user belongs to at most one company.

Shortcut: ask the CoverGuard Advisor "how many seats do I have available?" or "who's on my team?" — it answers with the real count and links you straight to the Team panel to invite someone.

Seat-limit behavior on downgrade

The owner always holds a seat. Remaining seats go to the earliest-joined active members first. If the owner downgrades below the active headcount, members beyond the limit stop inheriting and drop to free until a seat frees up or you upgrade — they show an "Over seat limit" badge and you'll see a warning banner.

Free a seat

When every seat on your Team plan is taken (or you're over the limit), the seat summary at the top of the Team panel adds a Free a seat list: the three least active people on your team, pending invites first, then whoever has gone longest without using CoverGuard. Click Remove (or Cancel invite for a pending one) and confirm, and that seat is free for someone new. The list never includes the Owner or you, and an Admin only sees Members in it, since only the Owner can remove an Admin. If you'd rather keep everyone, Upgrade for more seats instead.

Connected systems

Know which of your company's connections depend on whom, before anyone leaves. The CRM and other systems your teammates connect each belong to the person who connected them, and keep working only while that person is on your team — including your company's CRM link (for example Dynamics 365), which syncs on one teammate's connection.

Who this is for: account owners and company admins. Where: Account → Settings → Team, the Connected systems card below the member list.

• See what your company depends on. Each row shows the system, what kind it is, who connected it, and its status — Connected, Syncing, Setup pending, or Lost access when the connection stopped working and needs to be reconnected. The one your company's CRM link uses carries a Company CRM link badge.
• Check before you remove someone. When you click Remove on a teammate, the confirmation lists the systems they connected. If your company's CRM link runs on one of them, you'll see a red warning: the link will stop syncing once they leave.
• Nothing is disconnected for you. Removing a teammate never disconnects, deletes or hands over their connections. They keep them on their own account, and nobody else can use them. To keep your company's CRM link syncing, have someone staying on your team connect the same system from Sys Admin → Integrations, then ask CoverGuard support to re-link your company to it — ideally before you remove the person who connected it.
• If the link already stopped, the card says so with an amber notice: it isn't connected through anyone on your team. Follow the same two steps to get it syncing again.

Recent team changes

Answer "who removed Dana?" or "who made Sam an admin?" yourself, without asking CoverGuard support.

Who this is for: account owners and company admins. Where: Account → Settings → Team, the Recent team changes card.

• What it lists. Every invite, re-sent invite, role change (from and to), feature-access change, removal and ownership transfer in your company, newest first, with who did it and when. Show older changes pages back through the history, which starts when this card was added to CoverGuard. An invite whose email failed to send still holds its seat in the roster, but it isn't listed here; re-send it from the roster and the re-send appears.
• Who can see it. Only your company's owner and admins, and only your own company's changes. Members don't see the card.
• Changes made by support. If CoverGuard support changed your team while helping you, the line starts with CoverGuard support (acting as …), so you can tell it apart from your own.
• If the card can't load, it says so and offers Try again. It never shows an empty history in place of an error.

Only Owners and Admins see the card and the list in the dialog. A pending invite has no account yet, so it has nothing connected.

Set a teammate's role & features

Two different people work differently. A loan officer doesn't need the insurance-broker tools, and a new hire may be better off with a smaller surface for their first month. You can set both for each teammate, without asking anyone at CoverGuard.

Who this is for: account owners and company admins. Where: Account → Settings → Team, then Access on a teammate's row.

1. Open Account → Settings → Team.
2. Find the teammate in Members and click Access.
3. Pick their role — Home Buyer, Home Seller, Agent / Broker, Mortgage, or Insurance Broker. This is what kind of professional they are, and it decides which tools are relevant to them.
4. Turn individual features on or off. Each one has three settings:

• Default — follow whatever CoverGuard ships for their role. Leave it here unless you have a reason not to; features we add later turn up for them automatically.
• On / Off — your choice wins for that feature, for that person.

5. Save access. It applies the next time they load the app.

What it means

• Default is not "off". The label tells you which way it currently resolves — "Default · on" or "Default · off" — so you can see what you'd be changing before you change it.
• You can't give someone more than their role has. Turning on a feature that isn't part of their role's experience does nothing; pick the role that fits first, then tune.
• Roles you can't set here. Company Admin and CoverGuard staff roles are set by CoverGuard — email support@coverguard.io if you need another admin on your account. (The team role in the Members list — Owner / Admin / Member — is a different thing: it's who can manage seats and members, and you set that yourself.)
• Invited but not signed in yet? You can set their features now; the role waits until they accept, because there's no account to put it on yet.
• It's between you and them. Teammates don't see what you've set for each other. Owners and admins see everything.

Tips

• Changing someone's role re-reads every Default in the dialog against the new role, so you can see the effect before saving.
• Use the filter box to find a feature by name — it also matches the description.
• To undo everything you've set for someone, put each feature back to Default.

Organize a bigger company — locations & teams

If you run more than one office, structure your company into locations (branches) and teams within each location, and hand day-to-day management to the right people — without making everyone a company admin. This is organizational only: it doesn't change your seat count, your plan, or your bill.

Where: the "Locations & teams" section under Account → Settings → Team.

• Add a location (branch/office) — give it a name and, optionally, a city and state. Owners and admins can add locations.
• Add teams inside a location — a team always lives under one location.
• Place a member — open a teammate's Manage control to put them in a location and (optionally) a team.
• Delegate management with a unit role:
• Location manager — runs their branch: they can rename it, add/rename/remove its teams, and place members within it.
• Team lead — runs their team: they can rename it and manage the people on it.
• Owners and admins manage everything.

Managers only see the controls for the parts of the org chart they're responsible for, so a location manager in Austin can't touch the Dallas branch.

Deleting a location or team never deletes people — its members simply become unplaced (company-wide) or move up to the location, and keep their seats.

Who sees what

Owners and admins see the whole company. Everyone else sees a scoped view of the Team page: a team member (or team lead) sees their own team, a location manager sees their whole branch, and everyone can always see the company's owner and admins (so they know who to reach). Seat usage is shown company-wide — that's capacity, not a roster.

Being set up for you? If your CoverGuard rep provisioned your company, your locations, teams, and managers may already be in place — you can adjust them here at any time.

Upgrading from inside the app

Anything your plan doesn't include shows as a locked block in its place: its name, one sentence on what it holds, which plan includes it, and an Unlock button. A locked action, like Request quote on a carrier, shows as a small button marked Paid plan. Nothing behind a lock is loaded onto the page, so a locked block never shows a blurred figure.

When you press Unlock, or use up a free allowance, one upgrade window opens. It looks and works the same wherever you are.

1. Read what's locked. The heading names what you tried to open and, on a Record, the property's address. If you ran out of something, it shows how much you've used.
2. Pick a plan. The plan that unlocks it is already selected. Picking a different one doesn't take you anywhere. Each plan shows its price and how many Records a month it includes for you, so a home buyer sees Home Buyer Pro's own allowance.
3. Continue to checkout. The button shows the price before you go to payment. Choosing Team takes you to the team page to pick seats instead.

When checkout finishes you come back to the page you started on, with a short "You're on {plan}" message once your new plan is active. If checkout doesn't start, the window tells you nothing was charged and offers Try again. Press Esc, click outside the window, or choose Maybe later to close it.

Changing or canceling your plan

Everything after your first checkout is self-service from Account → Settings → Subscription. The tab names your plan the way the pricing page does — for example Lender Starter, Agent Team, Home Buyer Pro — and a team of 11 or more seats, or a plan CoverGuard provides, shows as Enterprise (for example Agent Enterprise).

• Move up to Pro — on a Starter plan you pay for yourself, the tab shows a "Move up to … Pro" card. Upgrade to … Pro opens the same secure change-plan screen as below, so you keep your account and everything in it; Stripe shows the prorated amount before you confirm. The card doesn't appear while your plan is set to cancel or a renewal payment is failing, during a free year that came with a Record purchase, or on a plan your team or CoverGuard provides.
• Change plan — upgrade or downgrade, switch between monthly and annual billing, or add/remove seats on a Team plan. Opens the secure Stripe portal straight to the change-plan screen; Stripe shows the prorated amount before you confirm.

On the Team plan you can set anywhere from 3 to 10 seats there — the Subscription tab shows the range. For 11 or more, use "Talk to us about … Enterprise" beside it. Individual plans (Starter, Pro and the homeowner plans) are one seat, so the portal doesn't offer a seat count for them.

• Cancel subscription — cancels at the end of the current period, so you keep the access you paid for until then. The card shows a "will cancel at period end" note while it's pending.

On annual billing the current period is the whole year you pre-paid — so cancelling in month two keeps your access until the annual term ends. Nothing further is charged.

• Reactivate — if you've scheduled a cancellation, one click keeps the plan going.
• Manage billing & invoices — update the card on file and download past invoices.

You can also switch plans from any card on /pricing — an existing subscriber sees "Switch to this plan" instead of a checkout button.

• Downgrades take effect at the next billing cycle; saved properties stay accessible on the free tier.
• A failed renewal keeps you entitled during Stripe's dunning retries — you'll see a "past due" warning (in the Subscription tab and app-wide) while it retries, and access ends only if retries exhaust. Use Manage billing to update your card.
• On a team seat you inherit the owner's plan, so the Subscription tab points you to your account owner to change it rather than to the billing portal. The Pricing page's Manage your subscription link is hidden for you too, and for plans CoverGuard provides. It appears only once you're signed in and paying for a plan of your own.

If the payments kill-switch is on (an incident measure), checkout is temporarily blocked and the upgrade window's Checkout paused button is disabled. You can still compare and pick a plan, and existing subscriptions are unaffected. On /pricing the paid plans read Payments paused whether or not you're signed in, so you'll know before you create an account.

When a plan says "Contact sales"

A few plans are sold through our team rather than by card. Their card on /pricing says Contact sales and opens a short request form with the plan already filled in — tell us what you need and, for Team, how many seats, and we'll set the account up for you. The same applies to the Buy seats button on /teams when office seats aren't on self-serve checkout.

You'll never be asked to create an account first and then told the plan can't be bought: a card only shows a purchase button when that plan can actually be paid for end to end. Enterprise is always contact-sales by design — it's priced to your volume, so it opens the request form. And while any other plan for your audience is temporarily sold through our team, the page stops promising "No sales call required" under the cards — it only says so when every self-serve plan in view can genuinely be bought on the spot. If no plan for your audience can be bought online right now, the checkout reassurances under the cards are hidden too, rather than describing a checkout you can't start.

Billing exemptions

Some accounts bypass all paywalls and are treated as Team: CoverGuard staff (anyone signed in with a verified @coverguard.io address) and the automated monitoring account. This is internal — regular customers are billed normally.

Your Subscription tab shows these as a Team plan marked "complimentary": every feature is unlocked at no charge, and because there's no billing account behind it there is nothing to change, cancel, or download an invoice for — so the Stripe billing controls are hidden. The /pricing cards say the same thing ("Included with your account") instead of offering a checkout. (If a staff account has bought a real plan, that plan shows normally and stays fully manageable.)

Companies on a comped plan CoverGuard provisioned for them see the equivalent — "Provided by CoverGuard" — and change plans or seats through their CoverGuard representative.

Troubleshooting

• An invite didn't take a seat → you're at the seat limit; buy more or free one.
• The invite email didn't arrive → the seat is still created (the teammate can sign in with that email) — the invitation email just didn't go out. "Teammate added" means email delivery isn't configured; an error means the send was attempted but rejected. Click Resend on their row to try the email again (it never changes the seat), or "Copy invite link" to share it directly. If you run the platform, check that RESEND_API_KEY is set and the sender domain is verified in Resend.
• A teammate lost access → likely over the seat limit after a downgrade; re-upgrade or remove a member.
• The company CRM link stopped syncing after someone left → it ran on their connection. Have someone still on your team connect the same system from Sys Admin → Integrations, then ask support@coverguard.io to re-link your company to it. The Connected systems card on the Team page shows whether the link is connected through anyone right now.
• Charged but no access / access without a row → the daily reconcile self-heals subscription state in both directions; if it persists, contact support@coverguard.io.
• Can't check out → payments may be temporarily disabled (kill-switch), or a card issue. See Billing & plans.

Do this next

Pick the tier your role actually needs on /pricing — then, if you're buying for an office, size your seats on /teams and invite your team.

• Billing & plans troubleshooting
• Developer / Partner API — unlocked at the Team tier
• Company Admin guide — your first-week playbook