Is Your Business
Exposed to Risk?
Most small businesses carry the wrong coverage, the wrong limits, or critical gaps they don't know about — until a claim reveals them. Your free Business Insurance Audit™ changes that.
We audit coverage for
40%
of small businesses never reopen after a major loss
FEMA
$200K
average cost of a single liability lawsuit for a small business
SBA estimate
75%
of businesses are underinsured by at least 40%
Marshall & Swift
Every Layer of Your Business Coverage
Your Business Insurance Audit™ reviews all six core coverage areas — not just your premium or carrier.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims.
Business Property
Protects your building, equipment, inventory, and furnishings.
Business Interruption
Replaces lost income if a covered event forces you to close temporarily.
Workers Compensation
Covers employee injuries and illnesses that occur on the job.
Professional Liability
Protects against claims of negligence, errors, or omissions in your services.
Cyber Liability
Covers costs from data breaches, ransomware, and cyber incidents.
Commercial Auto
Covers vehicles used for business — including non-owned and hired vehicles driven by employees on company business. Personal auto policies typically exclude business use entirely.
What Most Business Owners Miss
These are the six most common coverage gaps our auditors find in business policies — and most are fixable for less than you'd expect.
No Business Interruption Coverage
If a fire, flood, or covered event forces your business to close temporarily, you have no income replacement. This is the leading cause of permanent business closure after a major loss.
General Liability Limits Too Low
A $1M general liability policy sounds like a lot — until a single lawsuit exceeds it. Many businesses in professional services, retail, or food service need $2M or more.
Business Property Undervalued
Equipment, inventory, and fixtures are often insured at purchase price, not replacement cost. After inflation and supply chain disruptions, that gap can be significant.
No Cyber Liability Coverage
A data breach, ransomware attack, or phishing incident can cost a small business $100,000+ in recovery costs, legal fees, and notification expenses. Most standard policies exclude it entirely.
Workers Comp Gaps
Misclassifying employees as contractors — or not carrying workers comp at all — can result in significant legal liability and state penalties. Requirements vary by state and industry.
Professional Liability Not Covered
If your business provides advice, services, or expertise, a general liability policy does not cover claims of negligence or errors. Professional liability (E&O) is a separate, critical policy.
No Commercial Auto or Non-Owned Vehicle Coverage
If an employee drives their personal vehicle on company business and causes an accident, your business can be held liable. Personal auto policies exclude business use — and most businesses have no coverage for this exposure at all.
How Your Business Audit Works
Three steps. About two minutes. A complete picture of your business exposure.
Answer a Few Questions
Tell us about your business type, coverage goals, and current concerns. No policy documents needed — just a few quick questions.
Securely Connect Your Policy
We use Canopy Connect to securely pull your current policy details. Bank-level encryption. Read-only access. No changes made.
Receive Your Protection Score™
Your auditor reviews every finding and walks you through each gap, each recommendation, and every option — at no cost.
Know What You're Exposed To
Your business took years to build. Your Insurance Audit™ takes about two minutes and gives you a clear, honest picture of your protection — at no cost.
Start My Free Business Audit