The term COVERAGE PROVIDER can be broken down into two crossword solutions: APPAREL and INSURER. APPAREL is a term used to describe clothing, footwear, and accessories. It is typically produced by manufacturers and sold in retail stores. An insurer is a company that provides insurance policies to individuals and businesses. Insurers offer a variety of coverage options, such as health, life, auto, and property insurance. Together, these two solutions form the term COVERAGE PROVIDER, which refers to a company that provides insurance coverage to individuals and businesses.