The gaps that turn a covered loss into an uncovered one
Commercial exposures hide between policies. CoverageIQ maps where yours stop and your risk continues.
Analyze my policyThe most expensive commercial losses rarely come from a peril nobody anticipated — they come from the seams between coverages. A cyber event your property policy never contemplated. A flood your special-form policy explicitly excludes. An employee claim with no EPLI behind it. Each policy looks complete on its own; the danger lives in what none of them covers.
What CoverageIQ checks for you
- Flood and earth-movement exclusions left unaddressed by a separate policy
- Cyber and data-breach exposure absent from a standard property package
- Employment practices liability (EPLI) coverage for wrongful-termination and discrimination claims
- Professional liability / errors and omissions gaps for service businesses
- Adequate general liability limits and whether an umbrella sits above them
See exactly what your policy covers
See your full coverage map in one analysis and find the seams before a claim does.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
What are the most common commercial insurance gaps?
Flood and earthquake (excluded from standard property policies), cyber and data-breach liability, employment practices liability, professional liability for service firms, and inadequate general liability limits without an umbrella. These fall between standard policies and surface only at claim time.
Does my general liability policy cover cyber attacks?
Generally no. Standard commercial general liability excludes most cyber and data-breach losses, which require a dedicated cyber policy. Relying on general liability for a breach is one of the most common — and costly — coverage assumptions businesses make.
What is an umbrella policy and do I need one?
An umbrella policy adds liability limits above your underlying general liability, auto and employer's liability coverage. If a single large claim could exceed your primary limits, an umbrella is usually far cheaper than the exposure it covers. CoverageIQ checks whether your limits leave you exposed.
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