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Commercial Lines tools
Commercial Lines
Business insurance claim checklist Ordered claim steps for property, liability, auto, workers' comp, cyber and crime losses, with one place for incident notes to print, download or save. Business insurance quote comparison worksheet Enter up to four quotes and see total cost, the lowest limits, highest deductibles, missing coverages, surplus lines insurers, weak ratings and exclusions. Business insurance renewal timeline planner Enter your policy expiration date for a dated 120-day renewal plan, shown as a table and downloadable as a calendar file for Outlook, Google or Apple. Premium finance calculator Shows what financing a commercial premium costs: the payment, the total finance charge and the effective annual rate, compared with paying the premium in full. What business insurance do I need? Answer a few questions about your business and get a starting list of coverages, sorted into required, strongly recommended and worth considering. Business income (interruption) limit calculator Estimate the business income limit you need after a covered loss, including extended recovery and extra expense, then test it against your coinsurance clause. Coinsurance penalty calculator See what a commercial property policy pays when your limit falls short of the coinsurance requirement, how big the penalty is and the limit that avoids it. Property valuation helper A rough check of your building limit from your own cost per square foot, an optional dated cost trend, code and debris allowances, and your coinsurance. How much umbrella coverage do I need? Score the exposures that drive large liability claims, apply any contract-required limit and check your primary limits to get a starting umbrella range. Commercial driver checker List your drivers' ages, experience, violations and accidents and see which ones commercial auto underwriters would likely question, and what to do about each. Surety bond cost calculator Estimates a surety bond premium from a flat rate or a tiered rate schedule, adjusted for credit and subject to a minimum premium. Example rates, not a quote. Tail coverage cost calculator Prices an extended reporting period on a claims-made policy at your policy's percentages and compares it with nose (prior-acts) coverage from a new insurer.
Regulation
Contract insurance requirements checker Enter what a contract, lease or subcontract requires and what your policies have, and get a gap list with the endorsements usually used to close each gap. Subcontractor insurance requirements builder Build the insurance exhibit for a subcontract: coverages, limits, additional insured, waiver and notice terms as numbered clauses you can copy or print.
Every tool runs in your browser. Nothing you type is sent to this site; a few checklists can save your progress in your own browser when you press Save.