Coverage Cost Check

Business context

Start with how the business actually works.

The same coverage label can mean different research questions for a consultant, contractor, product seller, restaurant, or software company. Choose the closest operating model to get a more useful starting point.

Not sure which path fits? Choose the model with the closest day-to-day activity, then read the exposure map. You can review more than one path if the business has multiple revenue streams.
Business model

Consultants and professional services

A research path for firms whose main exposure comes from advice, deliverables, client expectations, and contract promises rather than a physical product.

Open exposure map →Business model

Contractors and skilled trades

A practical starting point for businesses working at customer sites, using tools and vehicles, hiring subcontractors, and signing project contracts.

Open exposure map →Business model

E-commerce and product sellers

A coverage research path for businesses that source, store, market, distribute, or sell products online or through marketplaces.

Open exposure map →Business model

Technology and software companies

A research path for software, SaaS, IT, and technology firms where contracts, professional performance, data, uptime, and security controls shape the risk conversation.

Open exposure map →Business model

Restaurants and food service

A starting point for businesses managing premises, customers, employees, food operations, equipment, deliveries, and a high volume of daily interactions.

Open exposure map →Business model

Home-based businesses

A research path for businesses operated from a home where personal policies, business property, visitors, deliveries, and professional activities may overlap.

Open exposure map →

Choose by the question you are trying to answer

Client workStart with consultants or technology companies when the main concern is advice, deliverables, contracts, data, or service performance.
Physical workStart with contractors and trades when the work happens at job sites, uses tools, vehicles, employees, or subcontractors.
ProductsStart with e-commerce and product sellers when inventory, fulfillment, product complaints, marketplaces, or recalls matter.
PremisesStart with restaurants or home-based businesses when visitors, locations, property, equipment, and personal-policy overlap matter.

How to use these pages

  1. Read the exposure map and identify which statements describe the real operation.
  2. Use the document checklist to gather facts before requesting or comparing coverage.
  3. Follow the coverage paths as questions to discuss, not as a recommendation.
  4. Verify any state-specific requirements and the actual policy wording before acting.

Keep the context connected

After choosing a business model, open the related coverage guide or use the cost-factor estimator to organize the next conversation.

Read our methodology ↗ Read our disclosures ↗