Does your commercial property policy keep up with your business?
Businesses change faster than their policies. CoverageIQ reads yours and flags where it's fallen behind.
Analyze my policyCommercial property insurance is rarely revisited between renewals, but the business it protects changes constantly — new equipment, more inventory, a build-out, another location. The result is a policy quietly insuring last year's company. Add coinsurance penalties, named-peril vs. all-risk distinctions, and sub-limits on the things most likely to be hit, and the exposure adds up fast.
What CoverageIQ checks for you
- Building and business personal property limits vs. current replacement cost
- Named-peril vs. special-form (all-risk) coverage and what each excludes
- Coinsurance penalties that reduce payouts when you're under-limit
- Equipment breakdown, spoilage and other commonly missing endorsements
- Sub-limits on signage, outdoor property, and off-premises equipment
See exactly what your policy covers
Upload your commercial policy and see the gaps before a loss makes them obvious.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
What does commercial property insurance cover?
It covers your building and business personal property — inventory, equipment, furniture, fixtures — against covered perils. What's actually included depends on whether you have named-peril or special-form coverage, your limits, and which endorsements like equipment breakdown or spoilage you've added.
What is coinsurance on a commercial policy?
A clause requiring you to insure property to a set percentage of its value (often 80–100%). If you're under-insured at the time of loss, the insurer applies a penalty that reduces even partial-loss payments. It's one of the most common and costly surprises in commercial claims.
Named peril vs. all risk — what's the difference?
Named-peril policies cover only the specific causes of loss they list. Special-form (often called all-risk) policies cover everything except what they explicitly exclude — much broader protection. CoverageIQ identifies which form your policy uses and what it leaves out.
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