Insurance policy
Review an insurance policy before you need it
Nobody reads a policy until they have a claim, which is exactly when the exclusions and conditions precedent become expensive. The insuring clause tells you what is covered in one paragraph; the next forty pages narrow it.
For individuals and small businesses buying or renewing cover.
No account needed. You see the price before paying, and the report opens immediately after.
What we check in an insurance policy
Every review of this contract type runs the full checklist, then reports what it found with the clause quoted and the line number.
- The insuring clause - what is actually covered, in the insurer's own words
- The exclusions schedule, and any exclusion that swallows the cover you bought it for
- Conditions precedent to liability, breach of which can void a claim entirely
- Notification deadlines, and whether cover is claims-made or occurrence-based
- Limits of indemnity, and whether they are per claim or in the aggregate
- Excess or deductible, per claim and per policy period
- Sub-limits hidden inside the headline limit
- Warranties and the duty of fair presentation at inception and renewal
- Territorial and jurisdictional limits
- Cancellation rights and premium refund on cancellation
- Whether defense costs sit inside or outside the limit
Red flags we see most often
These are the specific terms that turn a routine insurance policy into an expensive one.
- Defense costs inside the limit, so legal fees erode the money available to pay a claim
- A notification condition requiring immediate notice with no definition of immediate
- Claims-made cover with no run-off provision after the policy ends
- A sub-limit far below the headline limit for the risk you actually face
- Exclusions that remove the specific peril the policy is marketed against
- Conditions precedent attached to routine administrative obligations
- Average clauses that reduce every payout if the sum insured is understated
What you get back
Not a summary of what the contract says. A list of what to change, and the wording to change it to.
Risk score and verdict
A calibrated 0–100 score with a one-line verdict. Clean documents score low — the score is only useful if it can say "this is fine".
Findings with the quote
Each issue names the clause, quotes it verbatim, explains the consequence in your contract's own numbers, and says how far it deviates from market standard.
Pasteable redlines
Replacement wording drafted for each issue, ready to send back to the other side.
What's missing
The standard protections for this contract type that your document does not contain.
Deadlines to calendar
Every date and trigger that costs you something if you miss it, with the consequence spelled out.
Negotiation playbook
Your asks in priority order, the reason to give for each, and the fallback position if they refuse.
Questions about insurance policys
What is a condition precedent in an insurance policy?
An obligation you must satisfy before the insurer is liable to pay. Breach can defeat a claim entirely, even where the breach caused no loss - late notification is the classic example. They deserve more attention than the exclusions most people read.
What is the difference between claims-made and occurrence cover?
Occurrence cover responds to events that happened during the policy period, whenever the claim arrives. Claims-made cover responds only to claims notified during the period, so a gap in cover or a missing run-off provision can leave old work uninsured.
Are defense costs included in the limit?
It depends on the policy, and it matters enormously. Where defense costs sit inside the limit, a long dispute can consume most of the cover before anything is paid to the claimant. Costs-in-addition wording is better and worth asking about.
What is an average clause?
A provision reducing any payout proportionately if the sum insured is less than the true value at risk. Understate your stock or rebuild cost by a third and a partial claim can be cut by a third, even though it is well within the limit.
Related guides
Liability Cap Explained: What's Inside It, What Escapes
How liability caps are usually set, which claims are carved out and become uncapped, and why the carve-out list matters more than the number itself.
Arbitration Clause Explained: What You Give Up by Agreeing
How mandatory arbitration and class waivers change your options in a dispute, when arbitration is genuinely better, and what to negotiate if you cannot remove it.
Review your insurance policy now
$49, no account, about two minutes. See a complete sample report first if you want to judge the depth before paying — and if yours finds nothing you can act on, we refund it.
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