Risk management and coverage analysis
Many businesses learn they're underinsured only when a loss meets an exclusion. We look for the gaps — cyber, employment practices, contractual liability — and close them before a claim does.
Operations change faster than insurance programs
New technology, new contracts and new exposures can leave a policy that fit three years ago excluding your largest risk today. Our risk and coverage analysis maps every exposure, reviews policies and contracts line by line, and documents the gaps, inadequate limits and exclusions that need attention.
Three gaps that catch insured businesses
Illustrative examples of businesses that believed they were covered, and how a risk analysis would have found the gap.
Broad coverage, but no cyber policy
A 120-employee professional-services firm storing 15,000 client records in the cloud was shut down for 11 days by ransomware. Its general liability and property policies specifically excluded cyber events, and it carried no cyber liability policy.
- Business interruption$780,000
- Recovery and forensics$320,000
- Notification and credit monitoring$220,000
- Legal$80,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Six protections to confirm
If any of these isn't firmly in place, it's worth a closer look. This is a discussion tool, not a coverage determination.
Cyber liability insurance
Ransomware, breach response and data recovery.
Employment practices liability
Wrongful termination, discrimination and harassment claims.
Contract and risk-transfer review
Indemnity and hold-harmless obligations in your agreements.
Business interruption and continuity
Lost income, dependencies and single points of failure.
Property valued at replacement cost
Avoids coinsurance penalties at claim time.
Professional liability (E&O)
Errors, omissions and professional negligence.
Our risk and coverage process
Exposure analysis
A review of your whole operation — property, liability, cyber, employment, professional, contractual and emerging risks — including technology dependencies and an on-site safety and loss-control review.
Gap and contract review
A line-by-line policy and exclusion review against those exposures, plus analysis of contracts, leases and subcontracts for indemnity and additional-insured requirements, and an asset-valuation check.
Benchmark and loss review
Five years of loss history for patterns and root causes, benchmarking of limits and deductibles against comparable businesses, and a business-continuity assessment.
Risk report and monitoring
A written report with findings, recommended enhancements, cost-benefit analysis and a prioritized timeline, followed by annual reviews as your business and exposures change.
Twelve ways we test your protection
Comprehensive exposure analysis
Systematic review of all operations for property, liability, cyber, employment, professional, contractual and emerging risks.
Emerging risk assessment
New exposures from technology, new service lines, acquisitions, regulatory shifts, supply-chain and ESG liability.
Cyber risk evaluation
Digital vulnerabilities, breach and ransomware exposure, technology dependencies and privacy liability.
Safety and loss-control assessment
On-site review of hazards, OSHA-compliance issues and loss-prevention opportunities.
Coverage gap identification
Line-by-line policy review documenting gaps, inadequate limits, missing endorsements and exclusions.
Industry benchmark comparison
Your limits, deductibles and protection compared with similar businesses and standard practice.
Asset valuation review
Property, equipment, inventory and building values checked against replacement cost to prevent coinsurance penalties.
Business continuity planning
Critical dependencies, single points of failure and supply-chain vulnerabilities that call for business-interruption and contingent-income coverage.
Contract and agreement review
Client contracts, vendor agreements, leases and subcontracts aligned with required limits, additional-insured and indemnification clauses — reviewed before you sign.
Loss history analysis
Five-year loss-run review for claim patterns, high-frequency exposures, trends and root causes.
Written risk report
Findings, gaps, recommended enhancements, prioritized action items and an implementation timeline.
Ongoing risk monitoring
Annual reviews so the program evolves with your business and new exposures.
Analysis informed by real claims
Claims experience
Having handled thousands of claims, we review your protection against how losses and litigation actually unfold.
Emerging risks
Cyber, climate, supply-chain disruption, ESG and social-inflation liability — we track new exposures so coverage keeps up.
Industry knowledge
Specific experience with construction, trucking, manufacturing and multifamily risks. An honest picture of where you stand, without minimizing risks or adding coverage you don't need.
Start with a complimentary risk assessment
Find the gaps in your current coverage and get clear, prioritized recommendations. Serving Pacific Northwest businesses since 1992.
Descriptions are general summaries for education. They are not a statement of coverage, an offer or a binder, and the self-check is a discussion tool rather than a coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage is governed by the terms, conditions and exclusions of the policies issued and is subject to underwriting.