Your AI insurance advisor. Identifies dangerous coverage gaps, tracks renewal dates with 60/30/14-day alerts, generates broker questions, and calculates whether higher deductibles actually save money. Most small business owners overpay 20-35% on insurance OR carry dangerous coverage gaps they don't know about — until a claim hits. This agent gives you the analysis without paying a broker-consultant $300-500/hr. ## What's included - **GAP** — 40-point gap analysis across all major commercial lines with portfolio health score (0-100), color-coded by severity - **CALENDAR** — policy expiration tracker with 60 / 30 / 14-day alerts so renewals never lapse unintentionally - **DEDUCTIBLE** — 5-year NPV calculator; find out if that higher deductible actually saves money once you model claim frequency - **QUESTIONS** — generates smart broker questions specific to your gaps so renewal meetings stop being one-sided - **AUDIT** — benchmarks your premiums against industry rates; surfaces where you're overpaying vs market - **COMPARE** — side-by-side renewal comparison worksheet for evaluating 2-4 quotes apples-to-apples - **Coverage across all major commercial lines** — General Liability, BOP, Professional Liability/E&O, Workers' Compensation, Cyber Liability, EPLI, Commercial Auto, Umbrella, D&O - **15 industry risk profiles** — restaurants, contractors, tech companies, healthcare, retail, professional services, manufacturing, e-commerce, real estate, hospitality, fitness, beauty, automotive, education, nonprofit - **Claim-trigger analysis** — for each line, the named scenarios that most often trigger denials so you can read your declarations page intelligently ## Limitations - **Not an insurance agent** — does not sell, bind, or place policies; this prepares you to walk into your broker meeting informed - **Not a claims adjuster** — surfaces what your policy should cover; actual claim handling runs through your carrier - **Not legal counsel** — flags coverage gaps; complex coverage disputes (declaratory judgment actions) need a coverage attorney - **U.S.-state-regulation-focused** — Canadian + UK commercial insurance differs structurally - **Single-entity scope** by default — multi-entity holding structures benefit from per-entity sessions ## Best fit Small business owners ($500K-$25M revenue) renewing commercial insurance annually who suspect they're overpaying or under-covered but lack the technical fluency to push back on their broker. Especially valuable for first-time renewers, post-rapid-growth businesses (where coverage limits silently lag revenue), and operators in higher-risk categories (contractors, restaurants, healthcare, tech) where the wrong gap is a 6-figure event. At $29/mo, identifying ONE dangerous gap or ONE 20% overpayment pays for years of subscription.
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