Common Business Insurance Coverage Gaps
These hidden gaps leave thousands of policyholders underprotected
Cyber Liability
Data breaches and cyber attacks are often excluded from general liability policies.
Potential Loss: $50,000 - $1,000,000+
Business Interruption Waiting Period
Most policies have 48-72 hour waiting periods before coverage kicks in.
Potential Loss: Varies by revenue
Employee Practices Liability
Wrongful termination, harassment, and discrimination claims require separate coverage.
Potential Loss: $50,000 - $500,000
What We Analyze in Your Business Insurance Policy
Our AI reads every page of your policy document and identifies exactly what you're covered for, what you're not, and where the gaps are.
- General liability limits and exclusions
- Property and equipment coverage
- Business interruption terms
- Professional liability / E&O coverage
- Workers compensation compliance
- Cyber and data breach coverage
AI-Powered Analysis
Get results in seconds, not hours
Frequently Asked Questions
What's the difference between general and professional liability?
General liability covers physical injuries and property damage to third parties. Professional liability (E&O) covers financial losses from your professional advice or services.
Does business insurance cover work from home employees?
Coverage for remote workers can be limited. BeCovered identifies if your policies adequately cover equipment, data security, and injuries for remote employees.
How much general liability coverage do I need?
Industry standards vary, but most businesses should carry at least $1M per occurrence / $2M aggregate. We compare your limits against your industry's typical exposure.