Frequently Asked Questions

How do you identify gaps in my coverage?

I start by analyzing your operations, contracts, assets, and industry threats (e.g., data breaches for retailers or jobsite injuries for contractors). Example gap: 68% of small businesses are underinsured for cyber incidents. 

Are my tools, inventory, and equipment fully covered off-site?

Often no — standard policies limit "property away from premises.

How do you proof you'll save me money?

  • A market-wide quote comparison (avg. 8+ carriers)

  • Credits for safety features (alarms, training, OSHA compliance)

  • Annual policy reviews to cut waste

What's included in a standard BOP (Business Owners Policy)?

A BOP bundles:

  • Property insurance (building/equipment)

  • General liability (customer injuries)

  • Business interruption (lost income)

How quickly can you get me coverage if I’m starting a new business or switching insurers?

Simple risks (e.g., retail shops): Quotes in 24–48 hours

Complex risks (e.g., construction, manufacturing): Less than 3 business days

We’ll secure conditional coverage while finalizing details to avoid gaps.

What happens to my business if a fire/flood forces me to close temporarily?

Business Interruption (BI) insurance covers:

  • Lost profits

  • Ongoing expenses (rent, payroll)

  • Relocation costs

What’s the biggest coverage gap you see in businesses like mine?

Top 3 gaps by industry:

Restaurants: Spoiled inventory during power outages

Contractors: Subcontractor liability exclusions

Tech Startups: Inadequate cyber/data breach limits

We fix these with endorsements or standalone policies.