Coverage gap assessment
Have someone actually read your policies
Answer thirty questions about your business, attach your current declarations pages and loss runs, and a licensed advisor tells you what is missing, what is too thin, and what you are paying for twice. No fee, no obligation.
What this involves
- About ten minutes. Your answers save as you go, so you can stop and come back.
- Three required answers. Your business name, your name and your email. Everything else is optional.
- Documents welcome, not required. Declarations pages and loss runs sharpen the review.
- A person, not a score. A licensed advisor reads it and comes back to you within two business days.
What we review
Where coverage usually goes wrong
Not a checklist against an industry template. A read of your program against how your business actually runs.
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The policies you already hold
We read the declarations pages you send, not a summary of them: limits, sublimits, deductibles, endorsements and the exclusions that decide whether a claim gets paid.
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The lines you do not hold
The coverage a business like yours usually carries and you do not. We say why it exists and what it would have to cost you before it is worth buying.
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Limits against your size
Limits that were sensible at your old revenue and headcount often are not now. We check yours against where the business is today.
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What your contracts oblige
If your client contracts or leases require specific coverage, waivers or additional insured status, we check your policies actually deliver it.
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Your loss history
Loss runs tell us where claims really come from in your operation, which is usually a better guide to your exposure than any questionnaire.
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Overlap you are paying for
Two policies covering the same thing is money spent twice. We flag the duplication so you can decide what to keep.
What you get back
Findings you can act on, or safely ignore
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A written summary
A plain-language document listing what is covered, what is not, and what we would look at first. Yours to keep and to share internally.
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A conversation with an advisor
The licensed advisor who read your policies walks you through the findings and answers questions. No script, no obligation to move anything.
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A clear next step, or none
If your program is in good shape we say so. If it is not, you get the options and what they would cost, and you decide from there.
The assessment
Tell us about your business
Contact details first, then the risk questions in short sections. You can leave and come back on the same device without losing your place.
How it works
From your answers to written findings
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Step 1
Answer the assessment
Around ten minutes. Your business, the lines you want looked at, and a set of questions about how you actually operate. Only three answers are required, so you can send us what you know.
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Step 2
Attach what you have
Your current declarations pages and loss runs, if you can lay hands on them. They make the review sharper, and the assessment goes through without them.
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Step 3
An advisor reads it
A licensed advisor goes through your answers and your policies. Expect to hear from them within two business days, sooner if something in the file looks urgent.
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Step 4
You get the findings
A call to talk it through and a written summary to keep. What you do next is entirely up to you.
Questions
Before you start
Coverage gap assessment
Find out what your policies actually do
Answer the assessment and a licensed advisor reads your program and comes back to you within two business days.