BUSINESS COVERAGE GAP CALCULATOR
Does your business insurance have dangerous gaps?
10 questions. 2 minutes. Free. No obligation.
Question 1 of 10
Question 1 of 10
Do you have a current General Liability policy?
General Liability covers third-party injury, property damage, and basic business claims. It's the foundation of any business policy.
Question 2 of 10
Do you have employees?
Ohio law requires Workers Compensation coverage for most businesses with employees. Operating without it carries significant legal and financial risk.
Question 3 of 10
Do you use vehicles for your business?
Personal auto insurance does NOT cover vehicles used for business purposes. This is one of the most common and costly coverage gaps we find.
Question 4 of 10
Do you serve alcohol at your business?
Liquor liability is typically excluded from standard General Liability policies. If you serve alcohol and don't have it, one incident can end your business.
Question 5 of 10
Do you provide professional services or advice?
If a client claims your work caused them financial harm, General Liability won't cover it. Professional Liability (E&O) is a separate policy and often overlooked.
Question 6 of 10
Do you store customer data digitally?
Customer names, emails, payment info, and health data are all covered under cyber liability. Standard business policies exclude data breach costs.
Question 7 of 10
Do you own or lease business equipment worth more than $10,000?
Equipment, tools, computers, and inventory need dedicated property coverage. General Liability doesn't cover your own property — only damage to others.
Question 8 of 10
If your business had to close for 30 days due to a fire or covered loss, could you survive financially?
Business Interruption coverage replaces lost income when a covered event forces you to close temporarily. Without it, a disaster can permanently close a business that survived the event.
Question 9 of 10
When did you last review your insurance coverage?
Businesses change. Coverage that was right 3 years ago may leave you dangerously exposed today. Annual reviews are the minimum standard.
Question 10 of 10
Do you know the exact coverage limits on your current policy?
Most business owners don't know their limits until they file a claim and find out they're not enough. Knowing your limits is the first step to knowing if they're adequate.
YOUR COVERAGE GAP SCORE
0
out of 100 — higher score = more gaps
WHAT WE FOUND
This assessment is for informational purposes only and does not constitute insurance advice. Coverage needs vary by business type, size, and operations. Contact Myers Insurance Group for a personalized evaluation of your specific coverage needs.