You have policies.
Do you have protection?
An 18-question self-assessment for business owners, professionals, and families who want to know how well their protection actually fits together. Six minutes. One score. The gaps most people never see because they sit between the policies, not inside them.
This is not a quote tool.
Comparison sites tell you what a policy costs. This helps you see what your protection may still leave exposed. It is built for people whose assets, income, or responsibilities have outgrown the way their coverage was originally set up.
Take it if you
- Own a business, rental property, or significant assets beyond a basic household setup
- Own a home and could not tell someone your hurricane deductible in dollars
- Have teenage drivers, a boat, a pool, a second property, or other added liability exposure
- Rely heavily on your income and have not reviewed whether your life or disability coverage would actually replace it
- Hold a professional license, leadership role, or public-facing position that increases your personal exposure
- Have policies spread across multiple carriers and no one coordinating the full picture
Skip it if you
- Are only shopping for the cheapest legally acceptable policy
- Want a quick rate comparison, not a protection review
- Had a full advisory review of your home, auto, umbrella, life, and income protection within the last 12 months
- Already know your gaps and simply need to put the right coverage in place
Six domains. Three questions each.
Every question scores 0, 1, or 2. "Not sure" scores zero on purpose — if you don't know the answer, neither does the person who would have to file the claim. Your total is out of 36.
Liability
Whether an umbrella is in place, whether the limit reflects what you have to protect, and whether your major personal exposures are actually covered beneath it.
Home & property
Rebuild cost versus market value, your hurricane deductible in actual dollars, and whether valuables or specialty property are properly scheduled.
Auto
Liability limits relative to what you have to lose, uninsured motorist protection, and what a serious accident or total loss could do to your balance sheet.
Income & life
How long your household could operate without your income, whether your life coverage was intentionally sized, and who actually owns your disability protection.
Business bleed-through
Where business, rental, or LLC exposures may be quietly riding on personal coverage and whether your commercial liability and personal umbrella actually connect.
Review & ownership
When someone last reviewed all of this together and whether you have an advisor or simply a stack of renewal notices.
Answer honestly. The score is only useful if it's true.
Liability
A personal umbrella is designed to extend liability protection beyond your underlying policies. Most people who have one have never intentionally sized it.
Answer all three to continue
A review, not a pitch.
We read the gaps together
We walk through your six domains together, and you bring whatever declarations pages you have available. If something is missing, we identify that too.
You get a written picture
One page: what appears well protected, what deserves attention, what closing the gaps may involve, and what we would leave alone. You keep it whether or not you make any changes.
You decide the sequence
Some gaps get addressed this month. Some at renewal. Some never, because the exposure may not justify the premium. That is a decision you make with full information.