Independent Insurance Intelligence
Stop guessing about business insurance.
Most small business owners overpay, under-insure, or both — because the process is designed to confuse you. LumenaIQ gives you clear, data-driven explanations so you can make informed coverage decisions without the sales pressure.
The numbers don't lie.
The insurance industry profits from your confusion. Here's what the data says.
of small business owners don't fully understand their coverage
Source: The Hartford, 2025
average EPLI claim cost, yet only 3% of businesses under 50 employees carry it
Source: EEOC / Hiscox
small businesses face a liability claim within 10 years
Source: U.S. Small Business Administration
of cyber attacks target businesses with fewer than 1,000 employees
Source: Verizon DBIR, 2025
How LumenaIQ Works
How LumenaIQ helps. Zero sales pressure.
Coverage Navigator
Answer four questions about your business, get a coverage map showing the categories you commonly need with citations to state statute or industry norm. No email required, no sales follow-up.
Start the NavigatorStep 1 of 4
What best describes your business?
Jargon Decoder
Hover any insurance term in our articles for a plain-English definition. Or browse the full glossary.
Browse the glossaryQuote Prep Checklist
Everything you need before requesting a quote, covering everything carriers ask before you start the quote process. Walk in prepared, not pressured.
Get your checklistWhy trust an insurance site?
| Feature | LumenaIQ | Carrier Sites | Broker | Comparison Sites |
|---|---|---|---|---|
| Editorial independence | ✓ | ✕ | ✕ | ✕ |
| Cited primary sources | ✓ | Partial | ✓ | Partial |
| Profile-specific coverage map | ✓ | ✕ | ✓ | ✕ |
| No sales pressure | ✓ | ✕ | ✕ | ✓ |
| Free to use | ✓ | ✓ | ✕ | ✓ |
| Plain English | ✓ | ✕ | Varies | Partial |
LumenaIQ earns referral fees when you request a quote through our links — that's how we keep this site free. Our recommendations are based on independent research, not who pays us most. We include non-affiliate carriers when they're genuinely the best option.
Ready to understand your coverage?
Coverage Navigator maps the coverage categories your business commonly needs to specific state statute, NAIC guidance, and contract patterns. Takes about three minutes. No account, no contact information required.
Get our Quote Prep Checklist delivered to your inbox — free, no signup required to use the site.