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Free 3-minute checkup

Find the gaps before a claim does

Answer a few plain questions about how your business runs. You'll see where coverage is commonly missing for businesses like yours, why it matters, and what fixes it. No contact details needed to see your results.

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Built for Washington businesses, including L&I and stop-gap.

Question 1 of 10

What kind of business do you run?

Why these gaps

The claims we see go uncovered most often

An injured worker's lawsuit

L&I pays benefits, but a lawsuit that pulls in your business needs stop-gap employers liability, which many Washington policies leave out.

A spoofed vendor email

A fake invoice or changed bank details can drain an account in minutes, and many policies only cover it with a specific endorsement.

Months closed after a fire

Property insurance rebuilds the space. Business income coverage keeps payroll and rent paid while you're closed.

Questions

About the checkup

Is this a quote or a policy review?
No. It's a quick self-assessment based on your answers, so it can only point to likely gaps. A broker can confirm what your actual policies cover in a short review.
Do I have to give my contact information?
No. Your results appear right away. Request a broker review only if you'd like help confirming or fixing what it found.
Why does it ask about Washington L&I?
Washington is one of four states where workers' comp comes only from the state fund. L&I doesn't include employers liability, so most Washington employers need stop-gap coverage added to their general liability policy.

Prefer to talk it through?

A broker can walk through your coverage with you in about 20 minutes.

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The Coverage Checkup is general information based only on your answers. It is not a review of your policies, an offer of coverage or a coverage determination. Coverage depends on the actual policy terms, conditions and exclusions.