Client Coverage Gap Review Agent

A business client's risks change as it grows, hires or adds locations, but policies often stay the same until a claim exposes the gap. When a client review is due, this agent pulls their current policies and latest business information, such as revenue, payroll, vehicles and locations. It first checks that the data is less than a year old; if not, it drafts a short questionnaire for the account manager to send and waits for answers. It then compares exposures with policy terms and an industry coverage checklist, and flags missing coverages and limits below industry levels. It checks every flagged gap against the policy wording to avoid false alarms. It prepares a review summary with options. The account manager reviews and presents recommendations; the agent gives no advice directly to clients. Edge case: a client started shipping to Canada, so the agent flags the territory limits.