Coverage Recommendation Reports

# Coverage Recommendation Reports

Coverage recommendations that read like policy checklists do not convince clients. AI helps you build reports that tell a risk story — one the client understands and acts on.

Personalized Coverage Assessment

Create a coverage recommendation report for the following business:

Business: Family-owned restaurant group, 3 locations
Revenue: $6.2M combined
Employees: 85 total across locations
Ownership: Husband/wife own LLC, adult son manages one location
Current coverage (what they have):
- GL: $1M/$2M per location
- Property: Replacement cost on owned building (1 location),
  BPP at all 3
- Workers Comp: Statutory
- Liquor Liability: $1M/$2M
- Commercial Auto: 4 delivery vehicles
- NO employment practices liability
- NO cyber liability
- NO umbrella/excess
- NO management liability

Report structure:
1. EXECUTIVE RISK SUMMARY — the 3 biggest uninsured exposures
   in plain language with real-world scenarios
2. COVERAGE SCORECARD — visual grid of what they have, what they
   need, and the gap (Green/Yellow/Red by category)
3. GAP ANALYSIS — for each missing or inadequate coverage:
   - What the risk is (plain language, real example)
   - What could happen financially (loss scenario with dollar range)
   - Recommended coverage and estimated premium range
   - Priority level (Critical/Important/Recommended)
4. COVERAGE ADEQUACY REVIEW — for existing coverages, are limits
   adequate? Is valuation current?
5. RECOMMENDED ACTION PLAN — prioritized by urgency and impact
6. TOTAL COST OF PROPER PROTECTION — show the incremental cost
   of closing all gaps