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Free Diagnostic Tool

Is Your Commercial
Property Dangerously
Underinsured?

Answer 12 questions. Get a full coverage audit with a letter grade for each risk area and a personalized action plan — in under 3 minutes.

75%of businesses are underinsured
$0cost — no signup required
3 minto complete the audit
What type of business do you operate?
This shapes reconstruction timelines and BI exposure estimates.
How long have you had your current commercial property policy?
Older policies often have coverage limits that haven't kept pace with inflation or construction costs.
Under 1 year
1–3 years
3–5 years
5+ years
What state is your business located in?
State regulations affect policy requirements and available coverages.
Section 1 of 4
Property & Building Coverage
These questions assess whether your building and contents are insured for the right amount.
Estimated replacement cost of your building
Cost to rebuild at today's construction prices — not market value.
$
Current building coverage limit on your policy
Check your declarations page for the building limit.
$
Business personal property value
Equipment, inventory, furniture, fixtures — replacement cost.
$
BPP coverage limit on your policy
The business personal property limit on your declarations page.
$
What coinsurance percentage does your policy require?
Usually found on the declarations page or in the property schedule. Most commercial policies require 80%.
80%
90%
100%
Not sure
Section 2 of 4
Business Interruption Coverage
BI pays your lost income and continuing expenses if a covered loss forces you to close. This is the coverage most businesses carry too little of.
Annual gross revenue
Your total sales or income before any expenses.
$
Do you have Business Income coverage on your current policy?
Also called "Time Element" or "BI" coverage — check your declarations page.
Yes
No
What restoration period does your BI coverage provide?
How many months the policy will pay for lost income. 12 months is common — many businesses need more.
3 months
6 months
12 months
18 months
24 months
No BI coverage
Section 3 of 4
Liability & Additional Coverages
Beyond property, these gaps cause real financial pain after a loss.
Do you have an Ordinance or Law endorsement?
Covers the extra cost of rebuilding to current building codes after a loss. Without it, you pay the code-upgrade gap out of pocket.
Yes
No / Not sure
Do you have Equipment Breakdown coverage?
Standard property policies exclude mechanical or electrical breakdown. This covers HVAC, boilers, compressors, and key equipment.
Yes
No / Not sure
Does your policy include Flood coverage?
Standard commercial property policies exclude flood. It must be added separately through NFIP or a private carrier.
Yes
No / Not sure
How long ago did you last review your coverage with your agent?
Coverage gaps grow silently — rising construction costs, new equipment, and business growth all create exposure.
Within 12 months
1–3 years ago
3+ years ago
Never / Not sure
Your Commercial Property Coverage Audit
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Coverage AreaGradeStatus
Coinsurance Compliance
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Business Personal Property
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Business Interruption
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Ordinance or Law
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Equipment Breakdown
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Flood Coverage
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Coverage Review Frequency
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Your Personalized Action Plan
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This audit provides educational estimates based on your inputs. Results are not a substitute for professional insurance advice. Coverage needs vary by policy form, carrier, and individual business circumstances. Always review your actual policy documents with a licensed commercial lines agent.