Bobby Friel
Partner, Direct Insurance Services
Contractor Insurance Risk Calculator
Find the coverage gaps that could lose you jobs in 60 seconds
Most contractors don't realize they have coverage gaps until a GC rejects their COI — or worse, a claim gets denied. This free assessment identifies common exposures in your general liability, workers compensation, commercial auto, tools coverage, and COI compliance. No email required. No sales pressure. Just 10 questions and specific findings about where your policy may be exposing you.
What You'll Get
In 60 seconds, you'll receive a personalized report showing:
Your Risk Score
A numerical score from 0–10 showing your overall coverage exposure, color-coded for severity.
Specific Coverage Gaps
We identify the exact shortfalls in your GL, workers comp, COI compliance, and tools coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
40%
of contractors have had at least one COI rejected in the past 2 years
$47K+
average revenue lost per COI rejection that kills a job
70%
of contractor policies have at least one contract compliance gap
Based on policy reviews by Direct Insurance Services across 29 states.
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