There is no one-size coverage amount for every business. The right mix depends on what you do, where you work, who you employ, what you own, and what your contracts require.
Start with the exposures: customers on site, employees, vehicles, professional advice, data, property, and leadership decisions. Then match coverages to those exposures.
Limits should be informed by potential claim severity, contractual requirements, and assets. Premium should be compared only after coverage, deductibles, and exclusions are understood.
Coverivo uses AI to organize this intake, then a licensed professional reviews the file before any coverage is placed.