The Insurance Review: You Renewed It Four Times Without Reading It. The Business Changed Every Year.

Auto-renewal is wonderful and it quietly guarantees one thing: your coverage matches a smaller, simpler company than the one you run today. Meanwhile the deductible question has an actual answer — the sample shop nets $690 a year raising its deductible, because $840 of premium saving beats $150 of expected claim cost, and it could cover the new deductible fifteen times over.

How it works

• The Deductible Math — the premium saving against the expected cost at YOUR real claim frequency, plus the sanity check nobody runs: how many times over could you actually cover the new deductible? Under about 3×, the answer is no regardless of the saving
• The Coverage Check — twelve lines comparing what your business does now against what you're covered for, with a computed gap count. In the sample: tools in the truck, sub certificates, customer data, inventory limits, business interruption — none exotic, all newer than the paperwork
• The Agent Call — fifteen questions in order for one annual call, including "what's specifically excluded that would surprise me?", "quote me at three deductible levels", and "what would you change if this were your business?" — plus how to file the answers so next year's review takes five minutes

Built for

Every owner whose policy has auto-renewed more times than they've read it: trades · shops · studios · freelancers · restaurants.

What you get

One .xlsx file, four tabs, instant download. Excel, Google Sheets, Apple Numbers, LibreOffice. No macros, no subscription.