Insurance Program Review Checklist
A one-page review of the coverages and limits most often missed across a business's whole insurance program — before a renewal or when comparing quotes.
Pull out your current insurance program and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor. This one-page review flags the gaps most often found across a business's whole program.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Umbrella / Excess over All Primary Lines | Confirm the umbrella sits over general liability, auto, and employer's liability — large auto and injury verdicts often exceed primary limits. | Standard | |
| Hired & Non-Owned Auto | Confirm coverage when employees drive their own or rented cars for business — often missing when no vehicles are owned. | Standard | |
| Employment Practices Liability | Confirm wrongful termination, discrimination, and harassment are covered; wage-and-hour defense is often excluded. | Standard | |
| Cyber (incl. Social Engineering) | Confirm payment-fraud and funds-transfer losses are covered — the costliest business cyber loss is often sublimited. | Standard | |
| Business Income & Extra Expense | Confirm lost income is covered after a covered property loss, with a limit that fits a realistic shutdown period. | Standard | |
| Crime / Employee Dishonesty | Confirm theft by employees and computer or wire fraud are covered — general liability and property don't cover them. | Often limited | |
| Abuse & Molestation | Confirm it isn't excluded if the business has any contact with minors or vulnerable adults. | If needed | |
| Pollution / Professional Liability | Confirm coverage if the business handles chemicals or gives advice for a fee — both are excluded from general liability. | If needed |
The gap most often missed in this coverage
The most commonly missed gaps across a program are hired and non-owned auto (businesses without vehicles often assume they don't need it) and limits that stop at the primary policy. Commercial auto liability severity has more than doubled in nine years, and single verdicts can exceed primary limits. Review whether an umbrella sits over every primary liability line, and whether employees' personal vehicles are addressed.
Send us the checklist and we'll review your whole insurance program line by line, then market it across multiple carriers that compete for your account.
Related: Insurance Program Review Supplemental (apply) · All coverage checklists
Frequently asked questions
What is an insurance program review?
It's a quick, whole-program check of the coverages and limits most often missed — including Umbrella / Excess over All Primary Lines, Hired & Non-Owned Auto, Employment Practices Liability, Cyber (incl. Social Engineering), Business Income & Extra Expense. Use it before a renewal or when comparing quotes to spot gaps across your entire program, not just one policy.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my insurance program?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.