Free insurance coverage review tool
Business Insurance Gap Tool
Screen for potential insurance gaps, compare current limits with your own planning targets, and identify the coverage areas that deserve the next conversation with your agent or broker.
Simple insurance-gap screen
13 coverage areasRate exposure and current protection
Exposure0 Not applicable1 Low2 Moderate3 High4 Critical
Protection0 None / unknown1 Minimal2 Basic3 Solid4 Strong / reviewed
Coverage areaExposureCurrent protection
Core property & continuity
Commercial propertyBuildings, improvements, equipment, inventory and other business property.
/4
/4
Business interruption / extra expenseIncome and continuing-expense exposure during a covered shutdown.
/4
/4
Flood / earthquake / special-peril propertyPerils that may require separate coverage or endorsements depending on policy and location.
/4
/4
Key person / business continuationFinancial dependency on owners or employees who are difficult to replace.
/4
/4
Liability
General liabilityBodily injury, property damage and other covered third-party claims.
/4
/4
Professional liability / E&OErrors, negligence or service-performance claims.
/4
/4
Product liabilityExposure from products manufactured, distributed, wholesaled or sold.
/4
/4
Umbrella / excess liabilityAdditional limits above underlying eligible liability policies.
/4
/4
People & mobility
Workers' compensation / employers liabilityWork-injury exposure. Requirements vary by jurisdiction and workforce.
/4
/4
Commercial auto / hired & non-owned autoOwned business vehicles and business use of rented or employee vehicles.
/4
/4
Employment practices liabilityEmployment-related claims such as alleged discrimination, harassment or wrongful termination.
/4
/4
Cyber & crime
Cyber / data breachFirst-party cyber loss and third-party cyber liability exposures.
/4
/4
Crime / social engineering / funds transfer fraudEmployee theft, impersonation, fraudulent instructions and related loss.
/4
/4
Simple methodEach applicable coverage area is weighted by both its base importance and your exposure rating. Gap severity = exposure × remaining protection gap. A line marked 0 exposure is excluded. The result is a screening score, not a determination that a policy is required, adequate or legally compliant.
Advanced limit-gap model
Target-based, not prescriptiveCompare current protection with your planning targets
Business financial context
Property replacement planning reference$0
Business-income planning reference$0Continuing fixed costs + modeled contribution for the selected recovery period. Policy forms vary.
Policy limits & confidence
CoverageExposureCurrent limit / valueYour targetDeductible / retentionPolicy confidence
General liabilityRepresentative liability limit used for planning comparison.
/5
$
$
$
%
Commercial propertyCompare insured property value with your replacement-cost target.
/5
$
$
$
%
Business interruption / extra expenseUse a dollar limit or equivalent planning amount from your policy structure.
/5
$
$
$
%
Flood / earthquake / special-peril propertyEnter only if relevant to the business/location.
/5
$
$
$
%
Cyber / data breachFirst-party and third-party scope should be checked separately in the actual policy.
/5
$
$
$
%
Professional liability / E&O
/5
$
$
$
%
Product liability
/5
$
$
$
%
Workers' compensation / employers liabilityThis comparison does not determine statutory requirements.
/5
$
$
$
%
Commercial auto / hired & non-owned auto
/5
$
$
$
%
Employment practices liability
/5
$
$
$
%
Crime / social engineering
/5
$
$
$
%
Umbrella / excess liability
/5
$
$
$
%
Key person / business continuation
/5
$
$
$
%
Advanced methodLimit adequacy = current limit ÷ your target, capped at 100%. Effective protection = limit adequacy × policy-confidence percentage. Gap severity is weighted by coverage importance and your exposure rating. Targets are user-entered planning amounts; the calculator does not prescribe limits or determine whether a policy responds to a particular loss.
Coverage breakdown
Dollar shortfalls are not additiveCurrent limits, targets and effective protection
| Coverage | Exposure | Current | Target | Limit shortfall | Confidence | Effective protection | Gap severity |
|---|
Priority gaps
Highest impact firstCoverage areas ranked by modeled review priority
| Priority | Coverage | Domain | Limit adequacy | Policy confidence | Gap score contribution |
|---|
Target sensitivity
All target limits scaled togetherGap score as planning targets change
| Target scale | Effective protection | Gap score | Below-target lines | Largest limit shortfall |
|---|
Policy-confidence sensitivity
Limits unchangedGap score when policy certainty changes
| Confidence scale | Average confidence | Effective protection | Gap score | Highest-gap domain |
|---|
Scope
This tool identifies review questions, not the “right” insurance program
Insurance needs, legal requirements, policy forms, exclusions, sublimits, coinsurance, waiting periods, claims-made dates, defense costs and deductibles vary widely. This tool does not determine required coverage, recommend insurance limits, interpret a policy, establish whether a claim is covered, or replace a licensed insurance professional, attorney or state regulator.
Research basis: coverage categories and design considerations were informed by current SBA small-business insurance guidance, NAIC small-business and business-interruption guidance, FTC cyber-insurance guidance and U.S. Department of Labor information on workers’ compensation administration.