P07 / COVERAGE GAPPROFESSIONAL TOOL
Coverage Gap Analysis
Map your policy limits against exposure values across property, liability, BI, and cyber lines. Identify uninsured gaps and model the impact of business growth on coverage adequacy.
Risk and Coverage Cluster
Professional users usually need to move between exposure sizing, limit adequacy, and scenario modelling. This cluster keeps those supporting paths shallow and crawlable.
Exposure Values
Max gross profit loss in indemnity period
Current Policy Limits
Policy Conditions
Minimum insured-to-value ratio required by policy
Coverage Summary
OVERALL COVERAGE POSITION
Significant
Total Exposure
£10,000,000
Total Cover
£8,750,000
Total Uninsured Gap
£1,250,000
12.5% of total exposure
Coinsurance Penalty Exposure
£164,063
Potential claim reduction from under-insurance
Exposure vs Limit (All Lines)
Property
20% gap
Contents
✓
Liability
✓
Business Interruption
38% gap
Cyber
38% gap
Covered
Uninsured gap
Line-by-Line Coverage Analysis
Property
Significant
EXPOSURE
£2,500,000
LIMIT
£2,000,000
GAP
£500,000
Contents
Adequate
EXPOSURE
£500,000
LIMIT
£500,000
GAP
—
Liability
Adequate
EXPOSURE
£5,000,000
LIMIT
£5,000,000
GAP
—
Business Interruption
Significant
EXPOSURE
£1,200,000
LIMIT
£750,000
GAP
£450,000
Cyber
Significant
EXPOSURE
£800,000
LIMIT
£500,000
GAP
£300,000
Exposure Growth Scenario Comparison
INDICATIVE ONLY — Exposure estimates and coverage gaps are illustrative. Actual policy wordings, exclusions, endorsements, and claims conditions will determine recoverable amounts. Coinsurance penalties are approximate. Consult your insurance broker before relying on this analysis for coverage decisions.
Cluster Hubs
Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.
Related Calculators
Move sideways to closely related calculators without leaving the same topic cluster.
Use the Business Interruption Sum InsuredCalculate BI sum insured using gross profit, trend uplift, indemnity period, and ICOW.Use the Total Cost of Risk (TCOR)Aggregate premiums, retained losses, admin, and risk control costs. Four scenario comparison.Use the Risk Score & Heat MapScore risks by likelihood and impact. 5×5 heat map, editable register.Use the Cyber Risk ExposureEstimate breach costs, risk score, and recommended cover limit based on security controls.
Related Guides
Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.
Business Interruption Sum Insured: How It WorksWork through BI sum-insured logic and indemnity-period sizing.Human Life Value: How Income Replacement Maths WorksKeep protection-gap and income-replacement framing attached to the broader coverage cluster.Cyber-Resilient Agency: Protecting Client DataConnect breach exposure to control investment and coverage planning.Cyber Insurance Limits: How Adequacy Is EstimatedKeep cyber-limit adequacy and the supporting exposure logic inside the same protection path.