Coverage Evaluation
Know where your insurance would fail before a claim tests it.
An independent, fixed-fee review of your insurance program by our international team. We identify every gap, exclusion and condition that could reduce your cover or defeat a claim, and deliver the findings as a board-ready report.
- Fee
- US$500, fixed
- Turnaround
- 3 business days from receipt of your documents
- Jurisdiction
- Checked against the regulations where you operate
What we examine
Most coverage problems surface only when a claim is made. The evaluation finds them while you still have time to fix them, at your next renewal or sooner.
Coverage gaps
Risks your operations face that no current policy responds to.
Exclusions and conditions
Wording that could reduce or defeat a claim, including warranties and notification duties.
Limits and sums insured
Whether limits and sums insured reflect your real values, and where underinsurance could apply.
Deductibles and retentions
How much of each loss you would carry yourself, and whether that matches your risk appetite.
Contractual requirements
Whether your policies meet the insurance obligations in your key contracts.
Regulatory compliance
Compulsory covers and local requirements in your jurisdiction, verified before the report is issued.
How it works
Four steps from order to report. You only need your existing insurance documents.
Place your order
Enter your details and pay the fixed fee securely through PayPal.
Receive your upload link
We email a secure link to the address you provide, for uploading your insurance documents.
We confirm receipt
Once your documents are in, we confirm by email that we have everything we need.
Receive your report
Within 3 business days you receive your board-ready report, followed by a walkthrough of the findings with your advisor.
A report your board can act on
Written for senior management in the format used by leading global advisory firms: clear findings, rated by severity, with the decisions they call for.
- Executive summaryThe key findings and the decisions they require, on a single page.
- Gap and exposure registerEach issue rated high, medium or low, with its potential effect on cover and claims.
- Claims impact analysisHow the gaps would play out if a loss happened today.
- Regulatory compliance reviewYour program checked against the insurance laws and regulations of your jurisdiction.
- Prioritized action planRecommended changes in order of urgency, ready for your next renewal or broker discussion.
Harness Risk PartnersConfidentialCoverage evaluation report
Board summary
| Finding | Priority |
|---|---|
| Business interruption limit below 12-month exposure | High |
| Claims notification condition not reflected in internal process | High |
| Key contract requires a higher liability limit than the policy provides | Medium |
| Compulsory cover evidence incomplete for one location | Medium |
| Property deductible above stated risk appetite | Low |
Reviewed by an international team of insurance specialists
Our team brings underwriting, broking and claims experience across international and local insurance markets. We work with the regulatory frameworks that govern insurance in each market our clients operate in.
Before any evaluation is issued, its findings are checked against the insurance laws and regulations of your jurisdiction, so the advice holds up locally as well as in principle.
Your documents are handled in strict confidence and used only to prepare your evaluation.
What to have ready
The more complete your documents, the sharper the findings. Upload whatever you have of the following when you receive your link.
- Policy schedules and full wordings, including endorsements
- Your most recent renewal proposals or broker reports
- Claims history for the last three to five years
- Asset, values or payroll declarations used for underwriting
- Key contracts with insurance or indemnity clauses
- Correspondence on any declined or disputed claims
Order your coverage evaluation
Enter your details, then pay the fixed fee. We'll email your secure upload link to the address you give us.
Coverage Evaluation
$500USD
Fixed fee, paid securely through PayPal
- Full review of your insurance program
- Board-ready report within 3 business days
- Regulatory compliance check for your jurisdiction
- Walkthrough of the findings with your advisor
The fixed fee covers one organization's insurance program. If your documents show a larger or multi-country program, we'll agree any additional scope with you before we start. Nothing extra is charged without your approval.
Step 1 of 2: Your details
Where should we send your upload link?
Pay securely
After payment, we'll email your secure upload link to .
We couldn't pass your details to our team automatically. After paying, email contact@harnessriskpartners.com with your company name so we can send your upload link.
Questions
Which countries do you cover?
We review insurance programs for organizations in any jurisdiction. Each evaluation is checked against the insurance laws and regulations that apply where you operate before it is issued.
When will I receive my report?
Within 3 business days of our email confirming that we have received your complete documents.
Is my information kept confidential?
Yes. Your documents are used only to prepare your evaluation and are seen only by the team carrying it out.
What if my insurance program is large or spans several countries?
The fixed fee covers one organization's insurance program. If your documents show a larger or multi-country program, we'll agree any additional scope with you before we start. Nothing extra is charged without your approval.
Do I need to change my broker or insurer?
No. The evaluation is independent. You can use the findings to brief your current broker or insurer ahead of your next renewal.
What happens after I pay?
We email your secure upload link to the address you entered. Once your documents are uploaded, we confirm receipt, and your report follows within 3 business days.