# Free Business Insurance Risk Analysis | WithCoverage

> A free, confidential review of your business insurance. See where you’re overpaying and where you’re exposed. For companies spending $100K+ a year.

Source: https://www.withcoverage.com/go/replace-your-broker

# Find out if you’re overpaying for business insurance.

Our team reads every policy in your program and shows you where you’re overpaying and where you’re exposed. Free and confidential.

- Every policy read for gaps and overpayments
- Premiums benchmarked against similar companies
- Your broker isn’t notified, and the findings are yours to keep

## Get your free risk analysis.

For companies spending $100K+ a year on business insurance. We reply within one business day.

Logos: Gopuff, Polymarket, Opendoor, Blank Street, Chomps, Salt & Straw, Hungryroot

## A second opinion on your insurance, without switching anything.

1. Step 1
  ### Tell us about your business.
  Fill in the form and we’ll reply within one business day. We’ll ask for your current policies and renewal dates.
2. Step 2
  ### We review every policy.
  Our expert team and AI agents read your limits, exclusions, deductibles and premiums, and compare them with similar companies.
3. Step 3
  ### You see the findings and decide.
  Where you’re overpaying, where you’re exposed, and what we’d change. No charge, no obligation to switch.

Insurance experts, insurance attorneys, claims managers and loss control specialists, on one team.

Get my free risk analysis

## A review of their insurance helped these companies find savings and stronger coverage.

Gopuff video testimonial

- 20-40% Annual policy savings
- 99% Client retention

Bombas

> WithCoverage has been an outstanding partner for us. We’ve been truly impressed with their team's professionalism, attention and responsiveness. They routinely go above and beyond to make sure we fully understand our options and feel confident in our decisions. We’ve seen significant savings without sacrificing quality (and in fact enhancing coverage in many cases), and their online platform makes managing everything from applications, renewals, claims and COIs seamless.

Jessica Thompson

Senior Director, Counsel, Bombas

## Most insurance brokers aren’t set up to work for you. We are.

|  | With most brokers and insurance companies | WithCoverage |
| --- | --- | --- |
| How they’re paid | Most brokers: A percentage of your premium. When your bill goes up, so does their pay. | Typically a flat fee agreed before we start. We don’t earn more when you pay more. |
| Who quotes you | Most brokers: Usually 2–3 carriers, every year. | 40+ carriers, competing on price and coverage. |
| Who reads your policies | Most brokers: Someone skims them at renewal, if at all. | Our team reads every line and benchmarks it against similar companies. |
| Who you call | Most brokers: An account rep you hear from once a year. | A named risk manager, backed by insurance attorneys, claims managers and loss control specialists. |
| Where it all lives | Most brokers: Email threads and PDFs. | One platform for policies, claims, COIs and renewals. |

> “The largest brokerages told us what we needed was either impossible or would take several quarters. WithCoverage got it done, exactly the way we wanted, on a transparent flat fee.”

Portrait of Mike Shebat Mike ShebatCEO & Co-Founder, Traba

## Every line of your program, reviewed together.

Overlaps and gaps hide between policies, so we read them as one program.

- **General liability**
  Commercial liability insurance for injury or property damage claims from customers and other third parties.
- **Commercial property**
  Buildings, equipment and inventory at every location you operate.
- **Workers’ compensation**
  Employee injuries, priced on your payroll, roles and claims history.
- **Commercial auto**
  Owned, leased and hired vehicles, from one van to a fleet.
- **Umbrella and excess**
  Extra limits above your primary policies when a claim runs large.
- **Directors and officers**
  Personal protection for your leadership team and board.
- **Cyber liability**
  Breaches, ransomware and the business interruption that follows.
- **Professional liability**
  Claims that your advice or services caused a client a loss.
- **Products and recall**
  For brands and manufacturers whose products reach shelves.
- **Employment practices**
  Claims from employees about hiring, firing and workplace conduct.

## Questions about the risk analysis.

**What does the risk analysis involve?**

After you submit the form, we reply within one business day and ask for your current policies. We review coverage, limits and premiums across your business, benchmark them against similar companies, and show you where you may be overpaying, where you have gaps, and what we’d change.

**Do I have to leave my current broker?**

No. The risk analysis is free and there’s nothing to sign, and your broker isn’t notified. Use it as a second opinion and stay with your current broker if you like. You keep the findings either way.

**How long does it take?**

Usually about one business day after we receive your policy documents. Larger programs with many entities, locations or products can take a little longer, and we’ll give you a timeline before we start.

**Who is this for?**

Companies that spend $100K+ a year on business insurance, with real risk to insure like property, fleets, multiple locations or products. If you need one small policy quickly, a carrier that sells direct or a local agent is likely a better fit.

**What does WithCoverage cost?**

We typically work for a flat fee agreed before we start, and that fee doesn’t rise with your premium. Some clients choose a commission-based arrangement, or state law requires one. We explain the arrangement upfront.

## A free risk analysis. The decision stays yours.

Get my free risk analysis

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