Insurance Review
Insurance brokers earn 10–15% commissions on every policy they sell you — making their advice self-serving by design. Coverage consultants bill $500+/hr before touching your policies. Boojee Insurance Review audits every line, finds gaps and overpayments, and delivers competing quotes — flat fee, zero commissions. Average savings: $1,200/yr.
Every major commercial policy type, audited for gaps, overlaps, exclusions, and pricing — side by side with competing market quotes.
Coverage limits, per-occurrence vs aggregate caps, exclusion language, and whether your premium reflects actual claim risk for your industry.
Property + liability bundling analysis. Are you paying for coverage you don’t need, or missing endorsements your business actually requires?
Class code accuracy, experience modifier review, payroll audit reconciliation — the most common and costly misclassification zone we find.
Retroactive date alignment, claims-made vs occurrence triggers, and industry-specific exclusion traps that leave past work exposed.
First-party vs third-party coverage, ransomware triggers, and sub-limits on breach notification — the category most often critically underinsured.
Hired/non-owned exposure, fleet classification accuracy, and gaps when employees drive personal vehicles for business purposes.
Four steps. 72 hours. No disruption to your operations or your current carrier relationship.
Upload or email your current declarations pages. We accept PDF, photos, or a forward from your agent. One page per policy is enough.
We review coverage terms, limits, exclusions, and pricing across every policy you carry — line by line, side by side.
We source 3+ competing quotes for each policy from carrier-agnostic channels. No commission incentive. No preferred carriers.
You receive a written gap analysis + savings recommendation. Full Review tier includes implementation support and 12-month monitoring.
One-time fee. No recurring charges. No upsells from a carrier that pays us to recommend them.
Most businesses renew their insurance without reviewing it. That’s expensive — in premiums paid and claims denied.
Across all policy types, the typical business is overpaying by at least $100/month on premium alone.
Gaps appear most often in cyber, E&O, and hired auto — the categories agents rarely discuss proactively.
One denied claim can cost more than a decade of premium savings. The gap analysis finds these before a claim does.
“I had been renewing the same policies with the same agent for six years and never questioned the rates. BOOJEE found $1,800 in annual savings in 48 hours — I was overpaying on my BOP and had zero cyber coverage. I didn’t even know what I didn’t have. The written report was clear enough that I could walk it into my agent’s office and ask for exactly what I needed.”
We review any commercial policy you carry. Common types include General Liability, Business Owners Policy (BOP), Workers’ Compensation, Professional Liability / E&O, Cyber Liability, Commercial Auto, Umbrella, and Directors & Officers (D&O). Submit your declarations pages and we’ll cover everything you provide.
No. We are an independent audit desk, not a licensed agent or broker. We provide analysis, gap identification, and competing quote data so you can make informed decisions — whether you stay with your current agent, shop around, or ask your agent to re-rate. Many clients use our report as leverage with their existing agent to negotiate lower premiums.
We use independent broker contacts and open-market quoting tools across standard and non-standard carrier channels. Because we receive no commissions, there is no financial incentive to steer you toward any specific carrier. The Full Review + Implementation tier includes a side-by-side quote comparison matrix so you can evaluate alternatives on identical coverage terms.
That’s a great outcome — and our report will confirm it in writing. Many clients use the Quick Audit precisely for peace of mind. If the market can’t beat your current rates, you’ll know you’re paying fairly. If we find coverage gaps (which is more common than overpayment), you’ll have a clear picture of your actual exposure before a claim surfaces it.
Annually at minimum, and any time you add employees, change your business model, acquire equipment or property, or enter new service lines. Insurance markets shift significantly year to year. A policy that was competitively priced three years ago may be 20–40% above current market. The Full Review + Implementation tier includes 12 months of check-ins so you’re never more than a year behind.
Tell us about your coverage and we’ll follow up within one business day to confirm and kick off your audit.
All fields marked * are required. Your policy data is held in strict confidence.
Prefer email? Reach us at insurance@boojee.estate