I'm Nikhil Garg, a fractional CTO for US startups and non-technical founders, and the Chief Technology Officer of Get Cover, a US insurtech whose warranty platform serves 32,000+ clients.
I make the technical decisions and I answer for the code behind them. If you have a team, I lead it. If you don't, I am the team. Either way, one person is accountable.
Most fractional CTOs advise and walk away from the consequences. Most developers execute without owning the decisions. I do both.
How engagements work: - Technical Health Check: $500 fixed. A written review of your codebase, architecture, security basics and delivery within 5 business days, with a 30/60/90-day plan, a 45-minute walkthrough and a fix, refactor or rebuild recommendation. The fee is credited to your first retainer month if you sign within 30 days of receiving the report. - Advisory CTO: from $2,500/month. Technical strategy and architecture decisions, oversight of your developers or agency, and code and architecture reviews before work ships. - Embedded CTO: from $5,000/month. I lead your team, or build hands-on when there is no team, and own delivery. - CTO-led delivery: a scoped build such as an MVP, an AI codebase rescue or a migration, quoted per engagement. Scope and price are agreed before work starts.
Background: - CTO, Get Cover (appointed August 2026) - 4+ years as Executive Director of IT at Jacana Warranty - Co-founder and CTO of Codenomad, 2015–2025 - 13+ years shipping production software
Client results: $1M+ in warranties processed on the GetCover platform, 30,000+ users on a rescued AI-built platform (Satsman), and claim processing cut from days to hours at MHHC.
I work remotely from India on US business hours and take a maximum of five fractional clients at a time; my Get Cover role is one of those five. More at nikhilgarg510.com.
AI AgentsCustom Software DevelopmentWeb Development
Confidential
Jan. 2026 - Ongoing
5.0
Quality
5.0
Schedule
5.0
Cost
5.0
Willing to Refer
5.0
"All perfect."
Oct 17, 2026
Founder, Hexatrash LTD
Brian McGinty
Verified
Information technology
Larnaca, Cyprus
1-10 Employees
Online Review
Verified
Nikhil Garg provided web development services for a software solutions company. The team was tasked with building the infrastructure and setting up the back office, hosting, and databases.
Nikhil Garg delivered an excellent website and infrastructure. The team was very professional and easy to work with. They delivered everything on time and communicated effectively through virtual meetings and email.
The client submitted this review online.
BACKGROUND
Please describe your company and position.
I am the Founder of Hexatrash LTD
Describe what your company does in a single sentence.
We build apps and provide software solutions.
OPPORTUNITY / CHALLENGE
What specific goals or objectives did you hire Nikhil Garg to accomplish?
Building infrastructure
Setting up back office, hosting and databases.
Oversight and monitoring of our project
SOLUTION
How did you find Nikhil Garg?
Online Search
Why did you select Nikhil Garg over others?
High ratings
Good value for cost
Describe the scope of work in detail. Please include a summary of key deliverables.
Setting up databases, hosting and general developer work. Oversight of these.
RESULTS & FEEDBACK
What were the measurable outcomes from the project that demonstrate progress or success?
Describe their project management. Did they deliver items on time? How did they respond to your needs?
Delivered everything on time, very professional and easy to work with.
What was your primary form of communication with Nikhil Garg?
Virtual Meeting
Email or Messaging App
What did you find most impressive or unique about this company?
Delivery of work, value, communication and professionalism.
Are there any areas for improvement or something Nikhil Garg could have done differently?
No. all perfect.
RATINGS
5.0
Quality
5.0
Service & Deliverables
"Excellent."
Schedule
5.0
On time / deadlines
"Always on time."
Cost
5.0
Value / within estimates
"Excellent value"
Willing to Refer
5.0
NPS
"Absolutely.
Custom Software Development for Diversified Holding Company
Custom Software DevelopmentIT Strategy Consulting
Digital TransformationIT AssessmentVirtual CIO Services
Confidential
Oct. 2021 - June 2025
5.0
Quality
5.0
Schedule
5.0
Cost
5.0
Willing to Refer
5.0
"For a non-technical team managing a complex warranty and reinsurance operation, that consistency was genuinely rare."
Jun 14, 2026
Operations Manager, MHHC
Vincent P. Lewis
Insurance
Olympia, Washington
1-10 Employees
Online Review
Nikhil Garg developed a claims management platform for a diversified holding company. They designed the backend systems, managed integrations, created role-based access, and built separate operational flows.
Nikhil Garg replaced a 15-year-old manual process and migrated approximately 150,000 existing warranty records into the new platform. The engagement never hit a major derailment, and the team adapted to shifting priorities without becoming a project management problem. Their consistency stood out.
BACKGROUND
Introduce your business and what you do there.
I’m the operations manager of MHHC Enterprises Inc., a diversified holding company with core businesses in warranty and services, reinsurance, and technology solutions through its subsidiaries.
OPPORTUNITY / CHALLENGE
What challenge were you trying to address with Nikhil Garg?
We brought Nikhil Garg on to lead the technology direction for our warranty and reinsurance operations. The primary objectives were to architect and build a claims management platform that could handle real-world scale, reduce manual processing overhead, and integrate with our existing warranty and reinsurance workflows. Beyond pure development, we needed someone who could make high-stakes technical decisions like evaluating whether to build custom or leverage existing platforms — and communicate those trade-offs clearly to non-technical stakeholders.
SOLUTION
What was the scope of their involvement?
Nikhil Garg handled the full technology scope for our warranty and reinsurance operations. The main deliverables included building and maintaining the claims management platform, architecting the backend systems to handle claims intake, processing, and reporting, and leading decisions on our core technology stack. One of the more significant contributions was evaluating whether to build a custom solution or adopt an enterprise platform like Salesforce. Nikhil Garg's recommendation saved us from an expensive mistake and shaped the entire direction of our tech infrastructure. He also managed integrations between our warranty workflows and reinsurance reporting requirements and kept our systems running reliably through ongoing support. Throughout the engagement, he operated less like a hired developer and more like an internal technical lead — owning the roadmap, not just executing tasks. Nikhil Garg built the entire platform from scratch — no off-the-shelf base, no existing codebase to work from. The system was designed to serve four distinct stakeholder groups simultaneously: MHHC as the warranty administrator, dealers selling the warranties, customers holding them, and servicers handling the repair and claims side. Each stakeholder group had its own portal and workflow — so the platform wasn't a single tool but a fully integrated ecosystem with role-based access and separate operational flows built for each user type. On the integrations side, Nikhil Garg implemented PayPal for payment processing within the claims and warranty workflow. He owned the full delivery — architecture, development, and deployment — end to end.
What is the team composition?
We only worked with Nikhil Garg.
How did you come to work with Nikhil Garg?
They were referred to me. I chose them because they offered good value for the cost.
How much have you invested with them?
The project cost is confidential.
What is the status of this engagement?
We worked together from October 2021–June 2025.
RESULTS & FEEDBACK
What evidence can you share that demonstrates the impact of the engagement?
The most significant outcome was replacing a 15-year-old manual process. MHHC had been running their warranty and claims operations entirely on Excel sheets. Nikhil Garg migrated approximately 150,000 existing warranty records into the new platform and transitioned active claims processing — around 10,000 claims — from spreadsheets into a structured, trackable system. The result was full operational visibility across all four stakeholder groups for the first time. Dealers, customers, servicers, and MHHC administrators could now track warranty status, claims progress, and payouts in real time — something that simply wasn't possible in the previous setup. Specific before/after metrics weren't formally tracked, but the structural improvements were significant. Before the platform, MHHC was managing 150,000+ warranty records and claims across Excel spreadsheets — with no audit trail, no real-time visibility, and no way for dealers, customers, or servicers to access their own data without going through staff manually. After go-live, the entire operation shifted to a self-serve, role-based system. Claims could be submitted, tracked, and resolved without manual intervention at every step. The 4+ year duration of the engagement — with no need to rebuild or replace the platform — is itself a strong indicator that the system held up under real operational load. We didn't formally benchmark processing times before and after, so I can't cite a specific percentage improvement. What I can say is that the nature of the process changed entirely — claims that previously required manual data entry, cross-referencing multiple spreadsheets, and back-and-forth between staff were now handled through a structured workflow with built-in validation. Error rates from duplicate entries or lost records effectively became a non-issue once the data was centralized — the system enforced data integrity by design, which the spreadsheet process couldn't do. The volume alone tells part of the story: 1,000 claims and 150,000+ warranty records being managed through Excel is a situation where errors are inevitable. Moving that to a purpose-built platform didn't just speed things up — it made accurate tracking possible for the first time. Moreover, the platform was so smooth that the team didn't have to track everything now. When a claim comes in, we had solid evidence of whether this claim had to be processed or not. It was very difficult. Even the dealers had the full reporting system. They could view their data at any time, which was not possible earlier.
How did Nikhil Garg perform from a project management standpoint?
Project management was smooth throughout the engagement. Nikhil Garg was organized, communicative, and delivered consistently without us having to chase them for updates or follow up on outstanding items. Given the scope — building a multi-stakeholder platform from scratch and then maintaining and evolving it over 4+ years — the fact that the engagement never hit a major derailment was notable. There were no blown deadlines that set us back operationally, and when priorities shifted on our end, Nikhil Garg adapted without it becoming a project management problem. For an engagement of this length and complexity, reliable and low-drama delivery is exactly what you need from a technical partner. That's what we got.
What did you find most impressive about them?
What stood out most was that Nikhil Garg never needed to be managed. With most developers or agencies, you're constantly following up, translating between technical and business language, or discovering problems after they've already become expensive. With Nikhil Garg, that overhead simply didn't exist. They thought like a business owner, not just a developer. The clearest example was when we were evaluating a major platform decision — they came back with a recommendation that saved us from committing roughly $50,000 to the wrong solution. That's not something you get from someone who's just executing a ticket queue. Over 4+ years, they remained our single point of technical ownership. No handoffs, no "let me check with my team," no ramp-up costs every time scope changed. For a non-technical team managing a complex warranty and reinsurance operation, that consistency was genuinely rare.
Are there any areas they could improve?
Nothing significantly impacted the project. If anything, early on, there were moments where more proactive communication on technical progress would have been helpful — as a non-technical team, we sometimes wanted more visibility into what was happening under the hood, not because anything was going wrong, but just to stay informed. That improved naturally over time as we built a working rhythm together. By the later stages of the engagement, it was a non-issue.
RATINGS
5.0
Quality
5.0
Service & Deliverables
Schedule
5.0
On time / deadlines
Cost
5.0
Value / within estimates
Willing to Refer
5.0
NPS
Showing 1-2 of
2 Reviews
Our Story
I have shipped production software for 13+ years. I co-founded Codenomad in 2015 and led its engineering for a decade, including 4+ years as Executive Director of IT for Jacana Warranty. Since October 2023 I have built the GetCover warranty platform, and in August 2026 Get Cover named me its CTO. I now work as an accountable fractional CTO: one person who owns the technical decisions and the code, for a maximum of five clients at a time.
What Sets Us Apart
One person accountable
I make the technical decisions and I answer for the code behind them. If you have a team, I lead it, set the standards and review the work before it ships. If you don't, I am the team, from first commit to production.
A sitting CTO who still writes the code
I am CTO of Get Cover, a US insurtech whose warranty platform serves 32,000+ clients (appointed August 2026, announced by press release). I still review and write production code, so my decisions are checked against the work.
Five clients at a time
I take a maximum of five fractional clients, and my Get Cover role is one of those five. Ownership doesn't scale the way advice does, so the cap is how each client gets real attention. Scope and price are agreed before any work starts.
Locations (1)
#25, PRIME CITYSahibzada Ajit Singh Nagar, India140301
If you’re not seeing exactly what you need here, send this company a custom message.
You can talk about your project needs, price, and timeline to get started on your project.
Sign in to see which brands trust Nikhil Garg.
Get connected to see updates from Nikhil Garg like new case studies, latest reviews, their latest masterpieces in their portfolio, delivered straight to you.