Coverage Gap Analysis Software for Insurance Agents

Find missing coverage, outdated limits, and exposure changes before renewal or proposal conversations.

InsurGrid helps agencies turn collected policy data into clearer gap reviews so producers can protect clients and surface smarter cross-sell opportunities.

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Policy details

Account: Harbor Dental Group

Current limit: $1M liability

Exposure change: new leased location

Renewal date: 42 days out

Gap review status

Missing endorsement: review needed

Limit mismatch: producer follow-up

New exposure: client confirmation

Find gaps

Compare current coverage against collected risk details.

Review limits

Spot underinsured areas and outdated policy values.

Guide action

Turn each issue into producer follow-up.

Track review

Keep a record of findings, status, and next steps.

Built for the coverage reviews agencies already need to do

Coverage Gap Analysis gives teams a repeatable way to turn collected policy details into useful client protection conversations.

Surface missing coverage

Highlight policy lines, endorsements, limits, or exposures that may be missing from the current account.

Catch stale risk data

Compare the policy record against updated locations, vehicles, payroll, revenue, and operations.

Prioritize producer follow-up

Turn gaps into clear next actions instead of burying them in renewal notes.

Create a better client record

Keep findings, status, and decisions connected to the account for future reviews.

How Coverage Gap Analysis works

Move from collected policy data to a review-ready set of coverage issues and next steps.

Collect current policy data

Pull current limits, deductibles, endorsements, schedules, and exposure details into one workflow.

Compare against client risk

Review what changed across operations, assets, payroll, revenue, locations, and account needs.

Route the follow-up

Assign each gap to a producer or service owner with context for the client conversation.

What the review can capture

Keep the details behind each coverage issue visible enough for producer action and future account review.

Missing lines: umbrella, cyber, EPLI, flood, equipment, or scheduled property

Limit concerns: stale values, low liability limits, or deductible changes

Exposure changes: new locations, vehicles, payroll, revenue, operations, or contracts

Policy context: renewal date, carrier, current coverage, and prior recommendations

Action status: owner, finding, severity, follow-up, and client decision

Coverage Gap Analysis FAQs

A few common questions about finding and acting on coverage gaps with InsurGrid.

What is coverage gap analysis?

It is the process of comparing current policy data against a client's actual risk profile to find missing coverage, stale limits, and follow-up opportunities.

When should an agency run a coverage gap review?

Most agencies review gaps before renewal, during remarketing, after major client changes, or when a producer is preparing a proposal.

Does InsurGrid make coverage recommendations?

InsurGrid helps organize policy data and potential issues so licensed agency teams can review, advise, and document next steps.

Can findings connect to quote workflows?

Yes. Coverage findings can inform quote intake, policy comparison, remarketing, and client follow-up workflows.

Ready to find coverage gaps faster?

See how InsurGrid helps agencies turn policy data into clearer client protection conversations.

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