Commercial Insurance Gap Analysis
Upload your commercial property, general liability, and umbrella policies. Our AI reads every page and returns a plain-English summary plus the gaps between what you carry and what your buildings, leases, and loan documents assume you carry.
Built for property investors, landlords, contractors, and operators managing more than one policy.
Drag & drop a commercial policy PDF
Property, GL, umbrella, BOP, workers' comp, builder's risk — PDF only, max 15MB
Free to start. Add the rest of your portfolio after the first analysis.
The commercial gaps we look for
Commercial claims rarely fail because a policy was missing. They fail on a sublimit, an endorsement, or a schedule that no one re-read after renewal.
Business interruption that stops too soon
Period of restoration limits, waiting-period deductibles, and extended-period-of-indemnity endorsements decide how long lost income is actually paid. We surface the wording and the numbers side by side so you can see where the coverage ends.
Umbrella limits that don't sit on the right schedule
An umbrella only responds over the underlying limits it lists. If a newly added entity, auto schedule, or employers liability limit isn't on the underlying schedule, the excess layer can drop out. We compare underlying requirements to what your primary policies actually carry.
Ordinance or law, and coinsurance penalties
Older commercial buildings rebuilt to current code cost more than the pre-loss structure. Missing ordinance-or-law coverage and a stated value below the coinsurance requirement are two of the most common reasons a paid claim still leaves you short.
Named exclusions you inherited at renewal
Water damage, wind/hail deductibles by percentage, roof cosmetic damage exclusions, protective safeguard warranties, and vacancy clauses often appear quietly at renewal. The analysis lists every exclusion and endorsement it finds in plain English.
Additional insured and contractual gaps
Leases and loan documents demand additional insured status, waivers of subrogation, and primary/non-contributory wording. We flag when the policy in your file doesn't match what your contracts require.
Renewal dates spread across carriers
Property, GL, umbrella, workers' comp, and builder's risk rarely share a renewal date. Every policy you upload lands on one calendar with email reminders before expiration.
Why we built this for commercial owners first
MyPolicyReview.ai started with a commercial portfolio spread across multiple states — general liability, property, umbrella, workers' comp, and builder's risk, each with a different carrier and renewal date, all tracked in one spreadsheet.
A renewal on a warehouse policy slipped. The gap only surfaced when a pipe burst and the claim was denied — a loss of more than $180,000. That is the moment this product is designed to prevent: not the dramatic catastrophe, but the quiet mismatch between the policy in the file and the exposure on the ground.
How the analysis works
- 1
Upload your policies
Drop in one PDF or your whole portfolio. Documents are stored encrypted and are visible only to you and anyone you explicitly invite.
- 2
AI reads every page
Coverages, limits, sublimits, deductibles, endorsements, and exclusions are extracted into a structured summary you can actually read.
- 3
Review gaps and act
See the gaps across policies, ask follow-up questions in chat, track renewals on one calendar, and share the findings with your broker.
Commercial gap analysis FAQ
- What is a commercial insurance gap analysis?
- It is a review of your commercial policies that compares what the documents actually cover against the exposures your business has — limits, sublimits, exclusions, endorsements, deductibles, and the coverages that are simply absent. MyPolicyReview.ai performs this review with AI and returns a plain-English summary plus a list of the gaps it found.
- Which commercial policies can I upload?
- Any policy PDF: commercial property, general liability, commercial umbrella or excess, business owners policies, workers' compensation, commercial auto, builder's risk, and certificates of insurance. Upload several and the analysis looks across the whole portfolio, not one document at a time.
- Can it help with my annual workers' comp audit?
- Yes. Company accounts can track subcontractor certificates and payments, and break out employee payroll by job title and workers' compensation class code quarter by quarter, matched to your filed 941s. Export the whole packet as a spreadsheet for the auditor. It organizes your own records — it does not calculate premium or give tax or insurance advice.
- Is this insurance advice?
- No. MyPolicyReview.ai produces an AI-generated factual summary of the documents you upload. It is not insurance advice, a recommendation, or a coverage opinion, and it does not replace your licensed broker. Coverage is governed by the policy wording issued by the carrier.
- What does it cost to run the first analysis?
- Creating an account and analyzing your first policies is free. Free accounts keep full access to uploaded documents for 30 days; paid plans keep documents stored permanently. Current plan details are on the pricing page.
- Can my broker use this with me?
- Yes. You can invite your broker to a policy or a property folder, share the analysis with them, and message inside the platform. Brokers can also build side-by-side quote comparisons and send them back to you.
Find the gap before the claim does
Start with one commercial policy. Add the rest of the portfolio once you see what the analysis returns.
MyPolicyReview.ai provides AI-generated document summaries. It is not insurance advice or a coverage opinion, and it does not replace a licensed broker or the policy wording issued by your carrier.