Signing up for insurance can be a hassle, but with Cover, you just take a photo of your car, home, pet, jewelry, speedboat or race horses. Right now, Cover farms out these leads to other insurance companies and is collecting $190,000 per month in referrals fees. But next it’s getting licensed to sell insurance directly so it can keep all the commissions, which amount to a $22 billion per year market in the U.S.