Free · 4 minutes · Advisor-reviewed
Your Business Risk Score. In 4 minutes.
Six questions, benchmarked against NYC commercial market data. You get a 0–100 score, a risk band, and a written brief from a licensed advisor within one business day.
Begin the assessment
Six questions. Real exposure read.
No quote engine. No marketing call queue. A licensed advisor reads every submission personally.
Confidential · No credit card · No obligation
What we measure
Six dimensions of commercial exposure.
Industry & operations
How your business actually generates revenue — and how that creates liability.
Headcount & payroll
Workers' comp class codes, NY DBL/PFL exposure, and 1099 vs. W-2 mix.
Revenue band
Aggregate limits, audit risk, and how primary vs. excess layers should be stacked.
Current coverage posture
Where existing policies leave silent gaps — endorsements, exclusions, and limits.
Operational concerns
Cyber, contract compliance, product, property, and employment liability priorities.
NYC-specific factors
Lease language, DOB filings, MWBE certification, and vendor compliance demands.
Risk bands
From critical to resilient.
Critical
0–39
Material gaps. Immediate review.
Elevated
40–59
Patchwork policies. Strategic redesign.
Moderate
60–79
Solid base. Targeted fixes.
Resilient
80–100
Best-in-class. Stewardship & scale.
Prefer to talk first? Schedule a 20-min review.