Find out what you are exposed to, before you tell us who you are.
Four questions about what you do. No contact details, nothing to unsubscribe from. You get a plain list of the risks that actually apply to you, and what usually covers each one.
What is a risk snapshot?
It is a short set of questions about your business or property. It produces a list of the risks you carry. It is not a quote, it does not price anything, and it does not ask who you are.
Most insurance gaps come from a risk nobody named out loud. So naming them is the useful first step, whether or not you ever become our client.
What best describes you?
This decides which risks are worth showing you. Nothing is stored.
The same information, written out.
Not everyone wants to click through a tool. So here are the risks we most often find, by type of buyer. It is the same content the snapshot gives you.
Contractors and trades
Liability at the limit your contract names, builders risk on the project, tools stolen from a van, and a certificate that matches the wording exactly. Contractor insurance.
Professional firms
Errors in advice, a discipline exclusion hiding in your policy, client data, and money moved on a fake instruction. Professional liability.
Shops, offices and restaurants
The liability limit in your lease, contents and fit-out, income lost while you cannot open, and refrigeration failing overnight. Small business insurance.
Manufacturers and wholesalers
Machinery breakdown, stock valued at the wrong time of year, product liability, and an indemnity period too short to rebuild. Manufacturing insurance.
Homeowners
Rebuild cost set years ago, water damage that is not automatically included, a strata deductible you can be charged, and anything commercial happening at the property. Home insurance.
Landlords and building owners
A home policy still in place on a rented property, no cover for lost rent, vacancy between tenants, and habitational risk insurers are leaving. Landlord insurance.
Societies, boards and associations
Volunteer directors personally exposed, programs involving children, funder requirements nobody read, and event certificates. Non-profit insurance.
Anyone who has been declined
A gap in cover, an unrepaired loss getting worse, and a lender or landlord who needs proof you cannot produce. Declined or cancelled.
Why we do it this way round.
We walked nine of the best-known insurance websites in Canada, the United States and Britain. Not one gave you anything first. Every one wanted your name, your email or your address before it told you a thing.
Value first
You should get something useful before you hand over anything at all.
Nothing stored
Your answers stay in your browser. Nothing is sent unless you choose to contact us.
Honest routing
If your situation needs a broker rather than a form, the snapshot says so.
What people ask about the Risk Snapshot.
Is this a quote?
No. It names the exposures you carry so you know what to ask about. Pricing depends on details only an insurer can assess.
Do you keep what I enter?
No. It runs entirely in your browser and nothing is sent anywhere. Refresh the page and it is gone.
Why give this away for free?
Because most insurance gaps come from a risk nobody named out loud. Naming them is useful whether or not you ever become our client.
What do I do with the result?
Bring it to us, bring it to your current broker, or just read your policy against it. All three are legitimate.