Free Commercial Insurance & Policy Exposure Calculators
Quantify the exact dollar claim haircut and financial risk hidden inside commercial property binders, contractor GL policies, cyber sub-limits, and physician malpractice tail clauses—and generate ready-to-paste endorsement riders.
Coinsurance Penalty (80%/90%) & Property Claim Calculator
Model how 80%/90% property coinsurance penalties, uncapped Common Area Maintenance (CAM) increases, 15% admin fees, and roof/HVAC pass-throughs compound over 5 years vs. Agreed Value & a 4% cap.
Subcontractor COI & CG 20 10 / 20 37 Exposure Calculator
Model uninsured CG 22 94 subcontractor defective-work exposure, CG 20 10 / 20 37 Additional Insured gaps, Action-Over Labor Law risk, and 10% retainage lockups.
Cyber Ransomware & Wire Fraud Sub-Limit Calculator
Calculate $25k cyber social engineering sub-limit gaps, ISO CG 40 47 AI exclusion exposure, and 3-year compounding 7%–12% annual renewal price escalators vs. a 3% cap.
Physician & D&O ERP Tail Cost Calculator
Estimate 175%–225% claims-made Extended Reporting Endorsement ("Tail") costs and Prior-Acts Retroactive Date reset risks on departure vs. a 3-year employer pro-rata vesting split.
80/20 Hammer Clause & Defense Split Calculator
Compare full personal net-worth liability under a forced settlement Hammer Clause or commercial lease guaranty against a 50/50 Soft Hammer and 12-month Good-Guy Guaranty burn-off.
Media CG 40 48 AI Exclusion & Licensing Calculator
Calculate ISO CG 40 48 Generative AI advertising injury exclusion exposure, uncompensated paid-media whitelisting fees (30%/mo rate), and AI likeness clone value.
D&O Defense Erosion & Side-A Gap Calculator
Calculate D&O defense-inside-the-limits erosion, Insured-vs-Insured gaps, and the ordinary-income vs. capital-gains tax spread triggered by a buyer Section 338(h)(10) election.
Scan Your Full Policy or Binder for Hidden ISO Exclusions in 60 Seconds
Get your Policy Safety Score (0–100), #1 highest-dollar exclusion trap, and verbatim replacement endorsement request completely free with zero signup.