Know Your Risk Score
Before It Costs You.
A free business risk assessment that finds your coverage gaps, compliance risks, and claim exposures in minutes.
4 minutes · Confidential · Advisor-reviewed
Interactive Risk Assessment
See your exposure in 4 minutes.
Eleven questions. Three sub-scores. One advisor-reviewed report. We diagnose Coverage Health, Compliance Exposure, and Claim Vulnerability — then tell you what to fix first.
Educational — not a quote or binder.
3 gaps identified · Estimated out-of-pocket exposure: $180K – $420K
The problem
Most businesses don't lose money because they lack insurance.They lose money because they thought they were covered.
Silent exclusions. Stale limits. Missing endorsements. The gap between what a policy looks like and what it actually does is where claims die.
How it works
Four steps. One advisor. Zero pressure.
Take the Assessment
Answer 11 short questions about your business. No paperwork, no policy uploads.
See Your Gaps
Get a 0–100 score, three sub-scores, and a plain-English list of where you're exposed.
Meet Your Advisor
A licensed advisor walks you through findings — not a sales pitch, a strategy.
Stay Protected Year-Round
Renewals, audits, COIs, and compliance monitored continuously — not just at renewal.
Why ClearCover
Most agencies sell policies.
We manage risk.
- ✓Line-by-line policy reviews
- ✓Claims advocacy when it matters
- ✓Audit support & payroll reconciliation
- ✓Every recommendation advisor-reviewed
- ✓Renewal & compliance managed in-house
Client outcomes
Real claims. Real gaps closed. Real savings.
“ClearCover flagged a $2.4M E&O gap two prior brokers missed. They don't sell — they advise.”
Operating Partner · Property services firm
“They handled the adjuster end-to-end. Our $180K business interruption claim paid in 23 days.”
Owner · Brooklyn restaurant group
“We had no cyber coverage and were processing 40K transactions a month. They closed the gap in a week.”
CFO · DTC retail brand
“Same A+ carriers, restructured program — $38K saved on renewal with broader limits.”
GC · NYC contractor, 60 employees
Client portal
Your risk, always in view.
Risk Score
82
Resilient
Coverage Health
94%
3 of 4 lines optimal
Open Issues
2
1 endorsement pending
Compliance Alerts
1
WC audit due Aug 12
Renewal Countdown
47d
GL · BOP · Cyber
The offer
A free Coverage Review.
Advisory. No obligation. A real human read of your risk — not a quote engine, not a sales call queue. You leave with clarity whether or not you ever work with us.
FAQ
Common questions.
Is the Risk Score free?+
Yes. The full assessment, written report, and advisor review are free with no obligation and no quote pressure.
Do you replace my current broker?+
Only if it makes sense for you. Many clients start with a second-opinion review and migrate at their next renewal. Some keep their existing broker and use us for claims advocacy and audits only.
Are you licensed in my state?+
We're headquartered in NY and licensed across NY/NJ/CT, with nationwide placement capability through our wholesale partners. Ask us about your state on the review call.
How fast can I get a COI?+
Standard certificates of insurance are issued within one business day — often within hours. Rush COIs for closings and vendor onboarding are handled same-day.
Don't wait for a claim
One claim can change everything.
Know your risks before they become your losses.
Educational score · Not a quote or binder