Insurance Policy Review
Business insurance policies are dense, and it's easy to lose track of what they actually say. BOOJEE Insurance Policy Review is an independent desk that organizes the documents you share, summarizes their terms as written, and flags possible gaps and questions to raise — then connects you with licensed brokers. Flat fee, zero carrier commissions. We are not a licensed insurance broker or agent, and this is not insurance advice.
Every major commercial policy type, organized and summarized as written — noting overlaps, exclusions, and questions worth raising with a licensed broker. We do not quote, place, or recommend coverage.
Coverage limits, per-occurrence vs aggregate caps, exclusion language, and whether your premium reflects actual claim risk for your industry.
Property + liability bundling analysis. Are you paying for coverage you don’t need, or missing endorsements your business actually requires?
Class code accuracy, experience modifier review, payroll audit reconciliation — the most common and costly misclassification zone we find.
Retroactive date alignment, claims-made vs occurrence triggers, and industry-specific exclusion traps that leave past work exposed.
First-party vs third-party coverage, ransomware triggers, and sub-limits on breach notification — the category most often critically underinsured.
Hired/non-owned exposure, fleet classification accuracy, and gaps when employees drive personal vehicles for business purposes.
Four steps. 72 hours. No disruption to your operations or your current carrier relationship. We organize and summarize; you and a licensed broker decide.
Upload or email your current declarations pages. We accept PDF, photos, or a forward from your agent. One page per policy is enough.
We read coverage terms, limits, and exclusions across every policy you share — line by line — and summarize them as written.
Want to compare the market? We can connect you with licensed independent brokers to quote. We take no carrier commissions and name no preferred carrier.
You receive a written summary and a list of questions to raise. Full Review tier includes broker introductions and 12-month renewal check-in reminders.
One-time fee. No recurring charges. No carrier commissions. We organize and summarize your documents — we do not sell, quote, or recommend coverage.
Many businesses renew year after year without reading the fine print. An organized read can surface questions worth raising before a claim does. We do not promise savings or specific outcomes.
Coverage terms, limits, and exclusions summarized in plain language, side by side, so nothing hides in the fine print.
Categories like cyber, E&O, and hired auto are easy to overlook. We flag topics worth discussing — you and a broker decide.
Our only income is your flat review fee, so there is no incentive to steer you toward any carrier or policy.
BOOJEE Estate is an independent policy-review desk — not a licensed insurance broker, agent, or adjuster. We read the documents you share, summarize their terms as written, and prepare a list of questions to raise with a licensed professional. Nothing here is insurance advice or a coverage recommendation, and we make no promise of savings. When you want to shop the market, we can connect you with licensed independent brokers who quote and place coverage.
No. BOOJEE Estate is not a licensed insurance broker, agent, or adjuster, and nothing here is insurance advice or a coverage recommendation. We provide an independent, organized read of the policy documents you share, note questions and possible gaps to raise, and can connect you with licensed brokers to quote and place coverage. All coverage decisions are made by you and licensed professionals.
We can read any commercial policy you carry. Common types include General Liability, Business Owners Policy (BOP), Workers’ Compensation, Professional Liability / E&O, Cyber Liability, Commercial Auto, Umbrella, and Directors & Officers (D&O). Submit your declarations pages and we’ll summarize everything you provide.
No. We are an independent review desk, not a licensed agent or broker. We organize your policy documents, summarize their terms as written, and prepare a list of questions to raise — whether you stay with your current agent, shop around, or ask your agent to re-rate. Many clients use our summary as a starting point for a conversation with their existing agent.
We do not quote, bind, or place coverage ourselves. If you want to compare the market, we can connect you with licensed independent brokers who can provide quotes. Because we receive no carrier commissions, we have no financial incentive to steer you toward any specific carrier or policy.
That’s a fine outcome. Many clients use the Quick Review simply to get an organized summary of what their policies say and a list of questions to raise with a licensed broker. Reviewing your documents can help you spot topics worth discussing before a claim surfaces them.
A common practice is to review annually and any time you add employees, change your business model, acquire equipment or property, or enter new service lines. We can organize your documents and questions at each renewal, but coverage decisions and quotes come from you and your licensed broker.
Tell us about your coverage and we’ll follow up within one business day to confirm and kick off your review.
All fields marked * are required. Your policy data is held in strict confidence.
Prefer email? Reach us at insurance@BOOJEE.estate
BOOJEE Estate is not a licensed insurance broker, agent, or adjuster. This service organizes and summarizes the policy documents you share and connects you with licensed brokers. Nothing on this page is insurance advice or a recommendation to buy, change, or keep any coverage, and no savings or coverage outcome is guaranteed. All coverage decisions rest with you and licensed professionals.