Business Insurance Audit · Gap Analysis · Coverage Optimization
Most small businesses are either
over-insured, under-insured, or both.
Most brokers earn 10–15% commission on every policy they sell — so they show you what pays them, not what protects you. Hiscox and Next Insurance quote one carrier at a time. Boojee audits your current coverage, identifies gaps and overlaps, and connects you with the right protection across multiple carriers.
Six coverage lines. Every one matters.
Most brokers sell what they're set up to sell. We review every line with fresh eyes and no commission conflict.
The baseline. Are your limits appropriate for your revenue and client exposure? Are you covered for property damage at client sites? Many policies have exclusions that gut your protection exactly where you need it.
If you give advice, make recommendations, or deliver a service that could fail, you need this. Most service businesses skip it until it's too late. A single claim without E&O can exceed your annual revenue.
Covers your equipment, inventory, and buildout. Most policies have coinsurance traps and sublimits that leave you short after a claim. We find the gaps before you file.
Required in most states the moment you have an employee. We verify you have it, that your classification codes are correct (they directly affect your rate), and that payroll reporting is accurate.
Covers lost income if a covered event — fire, flood, equipment failure — shuts you down. Often the most undervalued coverage in a policy. Many owners don't know their waiting period or monthly limit until they're already losing money.
If you store customer data, take card payments, or use third-party software, you have cyber exposure. Most local business policies don't cover it. A single breach notification event can cost $50K+ before legal fees.
Coverage types we review
We work with businesses at every stage.
From single-operator services to multi-location businesses. Tell us your industry on the intake form and we'll tailor the review to your exposure profile.
The cost of finding out too late.
Most insurance gaps aren't discovered during a policy review — they're discovered after a claim is denied.
Two ways to get audited.
Either way you get the same complete review. The only difference is how we get paid.
Full policy review across all lines. Gap and overlap report. Coverage recommendations with reasoning. A written summary you can take to any broker — yours to keep regardless of what you do with it.
- All coverage lines reviewed
- Gap & overlap analysis
- Classification code audit (workers' comp)
- Written report delivered by email
- Take the report to any broker you choose
Complete the same audit. If we refer you to a partner broker who writes a new policy, our fee is covered by the brokerage. You pay nothing if you switch — and you're not obligated to switch.
- Same complete audit, zero cost to you
- Matched to vetted partner brokers
- No obligation to switch coverage
- Our fee paid by brokerage, not by you
- You keep the report either way
Disclaimer: Boojee Estate is not a licensed insurance broker or agent. We provide advisory review and gap analysis services. Actual insurance placement is handled by licensed brokers we refer clients to. Always consult a licensed professional for binding coverage.
Simple intake. Written report. Done.
No in-person meetings required. We just need your current policy declarations pages — everything else we handle.
Tell us your industry, number of employees, annual revenue, and the coverages you currently carry. Upload or email your declarations pages — not your full policies, just the front-page summaries.
Our team reviews your coverage against your actual business profile — revenue, operations, headcount, industry exposure. Gaps, overlaps, and misclassifications are flagged with specific recommendations.
You receive a written gap-and-overlap report by email. Take it to your existing broker, or let us refer you to a vetted partner who can place the right coverage — free if you go the referral route.
Common questions.
Do I have to switch brokers?
No. The audit report is yours. You can take the recommendations to your existing broker and ask them to fix the gaps. We only earn a referral fee if you choose to work with a broker we recommend — and that fee is paid by the brokerage, not by you.
How long does the review take?
We need copies of your current policies — declarations pages are enough, not the full policies. Review takes 3–5 business days, with a written report delivered by email. Faster turnaround is available for urgent needs — mention it in the intake form.
What if I don't have any insurance yet?
The audit becomes a coverage design session. We map out exactly what you need, in what order, and connect you with the right broker to place it. Startups and new businesses pay the $198 flat fee or go the referral route at no cost.
Is this only for established businesses?
No. Startups benefit most from getting coverage right from day one instead of discovering gaps after a claim. We work with businesses at any stage — from pre-revenue startups to established multi-location operators.
Do you cover specialty lines like liquor liability or professional malpractice?
Yes. Tell us your industry on the intake form and we'll make sure those specialty exposures are on the review list. Liquor liability, malpractice, garage keepers, inland marine, farm coverage — if your business has it or needs it, we'll look at it.
Other advisory services.
Start your insurance audit.
Fill out the form below and we'll follow up within one business day to collect your declarations pages and confirm the scope.
Request your audit
Takes under two minutes. We follow up within one business day with next steps — no hard sell, no commitment required.
Stop paying for the wrong coverage.
Or worse — no coverage at all.
A $198 audit or a free referral review. Either way, you know exactly where you stand before a claim forces you to find out.