The Insurance Gap Checklist
Most business owners have at least 3 major insurance gaps that could result in total loss. Check the items below that you ARE NOT currently covered for or ARE UNSURE about.
Commercial Lines
Cyber Liability & Data Breach
High RiskDo you store client data, emails, or process payments online?
Employment Practices Liability (EPLI)
High RiskProtection against claims of discrimination, wrongful termination, or harassment.
Errors & Omissions (Professional Liability)
High RiskProtects against mistakes made in professional advice or services.
Workers Compensation Audit
Ensure you aren't overpaying due to incorrect class codes.
Property & Assets
Business Interruption Coverage
High RiskIf your office is damaged, will you have income to pay bills and payroll?
Inland Marine (Equipment Floater)
Coverage for tools, laptops, and equipment that leaves your main premises.
Commercial Umbrella (Excess Liability)
Extra protection for catastrophic claims that exceed your primary limits.
Personal Lines
Personal Umbrella Policy
High RiskEssential for business owners to protect personal assets from lawsuits.
Buy-Sell Life Insurance
High RiskWhat happens to your business shares if a partner passes away?
Landlord / Rental Property Coverage
Ensure your personal homeowners policy doesn't exclude business rental activity.
Exposure Report
100% Confidential
Personalized risk data is for your eyes only. We do not store specific responses unless you request an audit.
Why a "Broker Review" isn't enough
Standard brokers look at policies. We look at **risk architecture**. We bridge the gap between your financial operations and your insurance exposure—ensuring you aren't paying for redundant coverage while leaving critical liabilities open.
The MRE Advantage
- Direct Underwriter Negotiations
- Gap-First Analysis Model
- Combined Commercial & Personal Audit
- Annual Risk Recalibration