For Risk Managers

See every gap
before it costs.

Instant visibility across your entire insurance program — coverage gaps, exclusion risks, and adequacy issues surfaced before they become claims.

Get Started View Pricing
Portfolio Visibility

Your entire program. One view.

Upload every policy in your insurance program. Insurance Advice analyses each one and surfaces a consolidated view of where you're covered, where you're exposed, and where sub-limits might leave you short.

  • Upload all policies across every line of business
  • See coverage adequacy across your full program at a glance
  • Identify gaps between policies — where one ends and another should begin
  • Flag sub-limits inadequate for your actual exposure
Program coverage status
Property
Adequate
Liability
Adequate
Cyber
Low limit
D&O
Adequate
PI
Gap
Motor
Adequate
Mgmt Liab.
Review
Gap Detection

Find what's missing. Before a claim does.

The AI identifies what's missing — not just what's covered. Gaps are rated Critical, Warning, or Info based on severity, benchmarked against standard market coverage for your industry.

  • Gaps benchmarked against industry-standard coverages
  • Unusually restrictive exclusions flagged vs market norms
  • Sub-limits that won't cover your actual exposure surfaced
  • Conditions that could void cover if procedures aren't followed
Gap analysis — Construction Pty Ltd
Critical — No Professional Indemnity cover
Design & construct obligations require PI. Not present in any uploaded policy.
Critical — Cyber sub-limit $100K
Industry benchmark for construction: $500K–$1M. Current limit inadequate.
Warning — Faulty workmanship exclusion broad
No carve-back for resultant damage. Tighter than market standard. GE.8 p.39
Info — BI waiting period 72hrs
Competitors offer 48hrs. Consider negotiating at renewal. S5.1 p.44

Program Adequacy Review

Upload your full insurance program. See a consolidated coverage map across every line with gaps and adequacy flags.

Renewal Benchmarking

Compare renewal terms against the expiring policy. See exactly what changed — new exclusions, adjusted sub-limits, modified conditions.

Board Reporting

Generate clear, structured insurance program summaries for board packs. Coverage adequacy, gap status, and key exclusions in language directors understand.

Policy Due Diligence

M&A, joint ventures, major contracts — upload the target's insurance program and get an instant coverage assessment before you commit.

Broker Challenge

When your broker recommends a policy, independently verify the analysis. Ask IA about specific coverages and get cited answers you can cross-check.

Contractual Compliance

Check whether your insurance meets contract requirements — minimum limits, required coverages, and naming conventions verified against wordings.

Use cases

How risk managers use Insurance Advice.

From annual renewals to board reporting, the platform supports every part of the risk management cycle.

Exclusion Awareness

Know what you're not covered for.

Insurance Advice extracts every exclusion across every policy in your program — including carve-backs, exceptions to exceptions, and conditions that could silently void your cover.

  • Every exclusion — general, section-specific, and endorsement-level
  • Carve-backs detected — exceptions that restore partial coverage
  • Conditions that could void cover flagged upfront
  • Plain-English explanations of complex legal wording via Ask IA
Exclusion map — Property policy
General Exclusions
12 exclusions
War, terrorism, nuclear, asbestos, pollution, cyber...
Section-Specific
8 exclusions
Flood (with carve-back), unoccupancy, gradual deterioration...
Endorsement Exclusions
3 exclusions
Communicable disease, sanctions, PFAS contamination
2 carve-backs detected — partial flood & lightning coverage restored
Does our D&O policy cover regulatory investigations by ASIC?
Yes. Section 2.1 covers "Investigation Costs" defined as costs arising from any formal investigation by a regulatory body, including ASIC. S2.1 p.18

However, the cover is subject to a $50,000 sub-limit and a $10,000 excess per investigation. No aggregate cap. Sched. p.4
Ask IA

Ask the questions that matter.

Don't read 400 pages across 6 policies. Ask IA the specific questions you need answered — across all uploaded documents at once. Every answer cited to the exact clause.

  • "Are we covered for a data breach affecting customer records?"
  • "What's our total exposure if a contractor is injured on site?"
  • "Does our D&O respond to regulatory investigations?"
  • "Which policies have a pollution exclusion?"
Your toolkit

Three tools for complete oversight.

PDS Analysis

Full structured extraction of every policy in your program. Coverages, exclusions, conditions, and gap flags — all cited to source.

Coverage Comparison

Compare renewal terms against expiring, or benchmark competing quotes. Structured matrix with colour-coded adequacy at a glance.

Ask IA

Query your entire insurance program in plain English. Ask about specific scenarios, contractual requirements, or coverage adequacy — cited answers in seconds.

Contact

AI-powered insurance.
Coming soon.

We're here to answer your questions. We usually reply within one business day.

Get Started Contact us

Prefer email? Write to hello@insuranceadvice.app