How to work a lead

Each lead shows the business name (exactly as filed with the state), entity type, filing or permit date, location, industry, a 1–100 insurance-need score with the reasons behind it, and the coverage lines it likely needs. Hot and Super hot labels mark the highest-need leads on every plan (see Methodology).

UncoveredList provides business-level public records only. We don't provide owner or officer names, phone numbers or email addresses.

1. Start with the score. Higher scores, and the reasons listed under them, point to businesses with the most likely insurance needs.
2. Research the business through its own public channels. Open the lead in your account and use Search Google to find its website, social pages or news.
3. Check the location. Use Find on Google Maps (or Directions when the filing has a street address) to see whether it's a storefront or a home office, and look for listing details the business has published itself. For trucking companies, FMCSA carrier record (SAFER) opens the carrier's public federal record.
4. Review the likely coverage lines and the coverage notes for the lead's state. State notes link to the official state or federal source. They're informational, not legal or insurance advice.
5. Track your outreach. On Pro, Agency and Platinum, mark the lead Contacted, Quoted, Won, Lost or Do not contact so you (and your team on Agency and Platinum) don't double up. Do-not-contact leads are removed from your exports. Starter's lead list is read-only, so track outreach in your own CRM or spreadsheet.

Colorado, New York and Connecticut publish daily, and their leads usually reach you 1–2 days after the state publishes. Pennsylvania runs 2+ weeks behind because of how the state releases filings, and Texas permits refresh about weekly. Every lead shows its filing or permit date. Your digest arrives by 8 AM CT / 7 AM MT.

Research each business first, keep outreach short and relevant, and always honor opt-outs. If a business asks not to be contacted, stop all contact and mark the lead Do not contact where your plan includes the tracker, or in your own systems.

You are responsible for following the CAN-SPAM Act, the TCPA, the National Do Not Call Registry and state telemarketing rules when you contact these businesses (see our Acceptable Use & Data License). We can't give legal or compliance advice, so check with your own compliance resources. UncoveredList is a software and data provider, not a licensed insurance agency, broker or producer.

Report a lead that is a shell, duplicate or out of business, or has wrong information, within 7 days of delivery and, after review, we'll add a replacement lead to your next digest (up to 10% of your leads each month). Replacements are leads, not cash, and have no cash value.

Use the Report a bad lead link under that lead in your digest, or open the lead in your account and choose Report a bad lead. This works on every plan. A lead without contact details isn't a bad lead: every lead is business-level only.