75% of commercial properties are underinsured — not because owners chose bad coverage, but because nobody told them what to look for. Our free audit changes that.
Built by commercial property insurance professionals. No fluff, no upsells — just the numbers that matter.
The only free tool that gives your commercial property coverage a full letter-grade report — coinsurance, business interruption, ordinance or law, flood, equipment breakdown, and more. You get a personalized action plan, not just a number.
Start My Free Audit →Find out exactly how much your insurer will pay — and how much you'll owe out of pocket — if your building is underinsured when a claim hits. The math that most agents don't show you upfront.
Calculate My Penalty →How many months of revenue could you survive without insurance backing you up? Enter your real numbers and find out if your BI limit is enough to keep the doors open after a major loss.
Estimate My BI Need →Business type, location, and how long you've had your current policy.
Pull out your declarations page. We'll walk you through exactly what to look for.
Simple yes/no questions on flood, equipment breakdown, ordinance or law, and more.
A letter grade for each coverage area plus a prioritized action plan. Take it to your agent.
Commercial construction costs have risen significantly in recent years. A policy that was adequate in 2020 may now leave you 30–40% underinsured without a single change to the policy.
If you're underinsured, your insurer won't just pay less on total losses — they'll reduce every partial loss payment too. Most policyholders don't learn this until they're filing a claim.
Most businesses carry 12 months of BI coverage. Most disasters take 18–24 months to fully recover from. That gap is income you pay out of pocket while your business rebuilds.
3 minutes. 12 questions. A full coverage report with letter grades and a personalized action plan — free.
Start My Free Audit →