Helping commercial property owners reduce risk, understand insurance, and make smarter property management decisions with free tools, checklists, and expert guides.
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 →Insuring based on what you paid instead of what it costs to rebuild? Get a benchmark replacement cost by property type and square footage, then compare it against your current policy limit.
Estimate Replacement Cost →Before you submit a COI to a landlord or GC, check it against their requirements first. Compare limits, additional insured status, and waiver of subrogation side by side.
Check My Certificate →Build a running, itemized list of your equipment, furniture, and inventory. See your real total and compare it to your BPP limit — then print or save your report.
Start My Inventory →Wondering what commercial property insurance should cost? Get a ballpark annual premium range based on your property type, construction class, location risk, and coverage amount.
Estimate My Premium →Not sure if a Business Owner's Policy fits your business, or if you've outgrown it? Answer 6 questions and get a clear recommendation with the reasoning behind it.
Find My Fit →A year-round maintenance schedule pre-loaded with seasonal tasks for HVAC, roof, and fire systems. Add your own, track due dates, and print your schedule.
Build My Schedule →Calculate each tenant's pro-rata share of Common Area Maintenance expenses by square footage, and generate a printable billing breakdown.
Calculate CAM Billing →Five leading platforms compared side by side by pricing, features, and portfolio fit.
Compare Software →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 →