Most businesses don't discover they're underinsured until a major loss hits an exclusion nobody read. We find the silent gaps — cyber, employment practices, contractual liability — and close them before they become the claim that isn't covered.
Proactive protection · Find gaps before losses do · Independent & objective
The most dangerous coverage gap is the one you don't know you have. Business operations evolve faster than insurance programs — new technology, new contracts, new exposures — and the policy that fit three years ago may exclude your largest risk today. First Underwriters conducts a systematic risk and coverage analysis: mapping every exposure, reviewing policies and contracts line by line, and documenting the gaps, inadequate limits, and exclusions that turn a covered business into an uninsured one.
Illustrative examples of "covered" companies discovering their biggest exposure was excluded — and how a real risk analysis prevents it.
Tap each protection you already have firmly in place. Whatever stays unchecked is a potential exposure worth a closer look — no contact info required.
This is a quick self-check for discussion — not a coverage determination.
Several core protections are unchecked. A formal risk assessment would confirm what's actually covered and prioritize the gaps that matter most.
Four steps that turn "we think we're covered" into a documented, prioritized protection plan. Click through each.
Filter by focus or search to see how deep a comprehensive risk and coverage review actually goes.
Having managed thousands of claims, we know which policy provisions actually matter when a loss hits — so we review your protection through the lens of real-world claims and litigation, not brochures.
Cyber threats, climate risk, supply-chain disruption, ESG and social-inflation liability — we track new exposures and make sure your coverage evolves with the threats, not years behind them.
Our analysis is built around your protection, not a quota — we don't minimize risks to lower a premium or push coverage you don't need. Just an honest picture of where you stand.
Request a complimentary risk assessment that identifies your coverage gaps, emerging exposures, and strategic protection enhancements — before they become catastrophic uninsured losses.
Or email us at info@firstunderwriters.com
Descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder, and the gap check is a discussion tool rather than a coverage determination. The scenarios and dollar figures shown are illustrative examples, not guarantees or representations about specific companies; actual coverage is governed solely by the terms, conditions, and exclusions of your issued policies. Coverage availability is subject to underwriting. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
Risk Management Services
Most businesses carry coverage gaps they don't discover until a claim is denied. Our risk management process identifies exposures, analyzes contracts, and builds protection strategies that actually work when you need them.
Request Risk AssessmentThese scenarios happen every week to companies that believed they were properly insured. Each represents a gap our risk management process would have identified.
A 120-employee professional firm stored 15,000 client records in cloud systems.
$1.4M in uninsured losses
Ransomware shut down operations for 11 days. Their "comprehensive" policy specifically excluded cyber events. Business interruption, data recovery, client notification, and legal defense came entirely from operating capital.
A 75-employee manufacturer faced a wrongful termination lawsuit.
$850K in defense and settlement
Their broker had called EPLI coverage "optional." Eighteen months of litigation and a settlement to avoid trial nearly bankrupted a company with 28 years of profitable operations.
A subcontractor signed a standard indemnification clause without insurance review.
$2.3M in contractual liability
When their work caused property damage, General Liability covered the damage but excluded the contractual obligation to defend and indemnify the general contractor. The gap was created by a signature.
A systematic approach to identifying what can go wrong and ensuring you have the right protection in place before it does.
We review all operations to identify property, liability, cyber, employment, professional, and contractual risks requiring protection.
Line-by-line policy review compares your current coverage against identified exposures. We document gaps, inadequate limits, and dangerous exclusions.
Analysis of client contracts, vendor agreements, and leases ensures your coverage meets all indemnification and additional insured requirements.
Five-year claim analysis identifies patterns and high-frequency exposures requiring targeted risk mitigation or coverage adjustments.
We identify new exposures from business changes, technology adoption, regulatory shifts, and supply chain vulnerabilities.
Property, equipment, and inventory values are verified against actual replacement costs to prevent underinsurance at claim time.
Assessment of digital vulnerabilities, data breach exposure, ransomware susceptibility, and technology dependencies.
Detailed documentation of findings with prioritized recommendations and implementation timeline for your review.
Risk management requires more than checklist compliance. It requires understanding how your business actually operates and what could disrupt it.
Having managed thousands of claims, we analyze protection through real-world scenarios and litigation outcomes.
Deep knowledge of construction, trucking, manufacturing, and multifamily risks—not generic analysis.
We review agreements before you sign them to ensure your coverage meets contractual obligations.
Unbiased analysis focused on your protection needs, not pushing coverage to maximize commissions.
Annual reviews ensure your risk management program evolves with your business and emerging threats.
Discover what gaps exist in your current coverage before they become uninsured losses. Our analysis gives you clarity on your exposures and actionable recommendations.
