Start Full Audit - Starting at $500
You can also work directly with a commercial insurance audit consultant if you require ongoing advisory.
Business Insurance Audit and Policy Review
Insurance programs often evolve over years without proper oversight, leaving companies exposed to hidden risks, inaccurate coverage, and excessive premiums. A Commercial Insurance Audit & Policy Review provides a full, unbiased evaluation of your insurance structure to ensure financial efficiency and proper protection.
We help businesses identify gaps, optimize costs, improve policy wording clarity, and strengthen renewal outcomes—all without selling insurance or receiving insurer commissions.
An Independent Insurance Audit is the only way to ensure your insurance program is financially efficient.
Why Conduct a Commercial Insurance Audit?
Many issues remain hidden until a detailed insurance policy review is performed.
Insurance policies are frequently renewed unchanged, copied forward, or built on assumptions that no longer reflect your operations. This leads to:
- Overpaying premiums due to outdated rating data
- Unrecognized exclusions that invalidate claims
- Insufficient or excessive limits
- Overlapping coverage across multiple lines
- Weak contractual liability protections
- Ineffective renewal strategies
- Broker misalignment due to commission incentives
A structured audit resolves these issues before they become costly problems.
Uncover hidden risks and premium savings in your insurance program.
→ Start my audit (from $500)
What Our Audit & Policy Review Covers
Full Insurance Program Evaluation
We analyze how each policy interacts—liability, property, cyber, D&O, auto, and industry-specific coverages.
Policy Wording Review
We assess definitions, exclusions, endorsements, carve-backs, and conditions that affect claim outcomes.
Premium Benchmarking
We benchmark premiums across the US, Canada, UK, Australia, NZ, and international markets.
Coverage Accuracy Assessment
We determine whether your current program properly maps to your exposures, contracts, and risk profile.
Renewal Negotiation Strategy
We restructure your renewal process for maximum leverage and transparency.
What You Gain from a Commercial Insurance Audit
SMEs and growing mid-market firms often begin with a business insurance review service before moving into a full audit.
- Reduced premiums (typically 12%–38%)
- Cleaner, more defensible policy wording
- Identification of uninsured or underinsured exposures
- Optimized limits and sublimits
- Stronger negotiating position with insurers
- Improved claims readiness
Start Your Audit Today - From $500
Includes a full commercial insurance audit, policy review, coverage gap analysis, and renewal strategy.
Run a Premium Calculator Instead
Choose from our world leading calculators to benchmark your premiums and strengthen your negotiating position with your broker, then request a full audit:
- DINO - The Smart D&O Insurance Cost Calculator
- CIGEL - The Smart Commercial General Liability Insurance Cost Calculator
- For Construction --> Builders Risk Insurance Cost Calculator
- For Cyber --> The Data Breach Insurance Cost Calculator
- For General property and liability --> The Business Insurance Premium Calculator
- Reps and Warranties Insurance Cost Calculator
- Business Interruption Insurance Cost Calculator
- Equipment Insurance Quote Calculator
Case Studies
Technology Company (US)
- Premium savings: 18%
- Gap identified: Missing cyber contingent liability
- Result: Stronger coverage structure with lower cost
Construction Firm (Australia)
- Premium savings: 32%
- Gap identified: Subcontractor liability not transferred properly
- Result: Comprehensive restructuring + contract compliance
If you’re unsure where to begin, you can request a full evaluation through our Audit My Commercial Insurance Program service.