Insurance Index Tools
Free business insurance tools
No signup · No paywall · US small businesses
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Free · Small Business · US

Business
Insurance Tools

Free tools for US small businesses. Assess your coverage needs, find protection gaps, model your risk exposure, and estimate what the right coverage should cost — no signup required.

Small business tools
SMB · Assessment
Insurance Needs Assessment
What coverage does your business actually need? Find the policies that match your size, industry, and risks.
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SMB · Assessor
Coverage Gap Finder
Are you under-insured? Find the gaps between what you have and what your business is exposed to.
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SMB · Health Check
Insurance Health Check
Review your current policies for gaps, overlaps, and overpayment across your whole insurance program.
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SMB · Calculator
Coverage Cost Estimator
What should the right coverage cost? Estimate realistic premium ranges before you talk to a broker.
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Mid-market tools
Mid-Market · Assessment
Insurance Needs Assessment
Comprehensive coverage-needs analysis across liability, property, cyber, and specialty lines for growing businesses.
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Mid-Market · Analysis
Coverage Gap Analysis
Detailed gap analysis mapping your exposures against existing policies and recommended limits.
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Mid-Market · Model
Risk Exposure Model
Model your business's risk exposure by category and quantify potential losses against your coverage.
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Mid-Market · Model
Insurance Cost Model
Project total cost of risk — premiums, deductibles, and retained risk — across your insurance program.
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Reference
Reference
Insurance References
Frameworks, benchmarks, and data sources used across all Insurance Index Tools assessments.
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