Business Insurance Gap Check
Answer a few questions about how you operate and see which coverage gaps to raise with your broker.
Example scenario—not a forecast or verified benchmark. Enable JavaScript to edit inputs, view charts, save locally and export your analysis.
Example inputs
- Annual revenue
- 3,000,000
- Employees (W-2)
- 22
- Vehicles used for business
- 4
- Value of building, equipment, and inventory you own
- 400,000
- We work at customer locations or job sites
- true
- We store customer personal, health, or payment data
- true
- We give professional advice, designs, or specifications customers rely on
- false
- Customer or landlord contracts require specific insurance limits or additional-insured status
- true
- We make, import, or sell physical products under our name
- false
- General liability
- have
- Commercial property
- have
- Business interruption
- unsure
- Commercial auto (incl. hired & non-owned)
- have
- Workers' compensation
- have
- Professional liability / E&O
- no
- Cyber liability
- no
- Umbrella / excess liability
- unsure
- Employment practices liability (EPLI)
- no
Example results
Coverage score 70/100 (Some gaps): 2 likely gaps and 2 lines to verify with your broker.
- Coverage score
- 70/100
- Likely coverage gaps
- 2
- Critical gaps
- 0
- Lines to verify
- 2
- Umbrella limit to discuss
- $2,000,000
- Business interruption limit to discuss
- $1,500,000
What stands out
Likely gap: Cyber liability
You hold sensitive customer data; breach notification and response costs are not covered by GL.
Likely gap: EPLI
With 22 employees, hiring and firing decisions create claim exposure GL does not cover.
2 lines you are not sure about
Business interruption, Umbrella (~$2M). Unknown coverage is functionally a gap until you see it on a declarations page.
Next actions
- Ask your broker to quote Cyber liability, EPLI before renewal.
- Request declarations pages for every policy and confirm Business interruption, Umbrella (~$2M).
- Pull your top 5 contracts and leases and compare required limits and additional-insured wording to your certificates.
- Confirm your GL includes completed-operations coverage and that subcontractors carry their own insurance with you named as additional insured.
Model assumptions & limitations
- This is a screening checklist, not insurance advice. A licensed broker should confirm needs, limits, and exclusions.
- Rule of thumb: umbrella of about $1M under $2.5M revenue, $2M up to $10M, $5M above; contracts may require more.
- Rule of thumb: business interruption limit near 6 months of revenue; the right figure depends on your recovery time and fixed costs.
- 'Not sure' is scored as half a gap.