LumenaIQ Tool · US small business
Coverage Navigator — Commercial Insurance Coverage Mapping for US Small Businesses
Coverage Navigator is an interactive tool that maps US small business profiles to commercial insurance coverage categories. Describe your business — type of work, revenue, team size, physical location, and relevant risk factors — and get a coverage map that names each relevant coverage type, explains what it protects against, and indicates the statute, industry norm, or contract pattern that typically requires it.
Coverage Navigator educates you on what kinds of coverage exist for your business and why. It does not produce quotes, and it does not require contact information to use.
Get your coverage map
Answer four quick questions about your business. No account or contact information required.
Step 1 of 4
What does your business do?
Pick the best fit. You can refine later in Step 4.
How Coverage Navigator works
Coverage Navigator synthesizes four evidence sources to produce each coverage map:
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State insurance law.
Requirements for workers' compensation, commercial auto, and certain professional liability lines are set by state statute. Coverage Navigator's rules reflect the authoritative insurance department (Department of Insurance or equivalent) for the states where it operates.
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Federal data on industry risk (BLS integration coming).
Bureau of Labor Statistics injury, illness, and fatality statistics by NAICS industry code indicate which exposures are materially present for a business type. Direct BLS integration is planned for a future version; v1 rules reflect published industry risk patterns without live BLS lookup.
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NAIC and industry-body guidance.
National Association of Insurance Commissioners consumer materials and industry-body coverage definitions establish the baseline categorical framework Coverage Navigator uses for every map.
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Documented contract and lease patterns.
Commercial lease requirements, vendor contract patterns, and enterprise supplier onboarding requirements drive a large share of real-world coverage decisions. Coverage Navigator references standard terms reflected in publicly-available commercial lease and vendor contract templates when flagging contract-driven coverage.
Every coverage entry in a Coverage Navigator output map is paired with a priority (required, strongly recommended, or consider) indicating whether the coverage is statutorily required, driven by typical contract patterns, or worth considering given your profile.
What Coverage Navigator maps
Coverage Navigator identifies which of the following coverage categories are most likely relevant for your profile. Each map explains what the category protects against and why it appears on your results:
- General Liability (GL)
- Third-party bodily injury, property damage, and advertising injury claims against your business. Common limits for small businesses start at $1M per occurrence and $2M aggregate, though contract requirements frequently drive higher limits.
- Business Owner's Policy (BOP)
- Bundle that combines general liability with commercial property (and often business interruption) into one policy, typically at a discount over purchasing the component policies separately. Designed for small, lower-risk businesses.
- Commercial Property
- Physical assets: buildings, equipment, inventory, furniture. Covers fire, theft, vandalism, and certain weather losses.
- Workers' Compensation
- Employee medical bills and lost wages from work-related injury or illness. Required by statute in most US states, with state-specific employee thresholds. Texas is a notable exception where coverage is optional for most private employers.
- Professional Liability / Errors & Omissions (E&O)
- Claims that your professional services caused a client financial harm. Core coverage for consultants, agencies, accountants, designers, and tech vendors.
- Commercial Auto
- Vehicles used for business purposes. Personal auto policies typically exclude business use, making this coverage contract-mandatory for delivery, service, and field-work businesses.
- Cyber Liability
- Data breach response, ransomware extortion, business email compromise, and regulatory fines under state and federal privacy law. Increasingly required by enterprise vendor contracts.
- Directors & Officers (D&O)
- Personal liability for directors and officers facing claims related to their decisions. Standard for venture-backed companies; typically required as a condition of institutional investment.
- Employment Practices Liability (EPLI)
- Employee-brought claims for wrongful termination, discrimination, harassment, and retaliation.
- Business Interruption
- Lost income and continuing expenses when a covered property loss forces your business to suspend operations.
Additional specialty lines (product liability, inland marine, crime, bonds, environmental, liquor liability, pollution) surface on your map when your profile indicates they're relevant.
Frequently asked questions
What is Coverage Navigator?
Coverage Navigator is an interactive coverage-mapping tool from LumenaIQ. You describe your business — type of work, revenue, team size, whether you have a physical location, and a few risk factors — and Coverage Navigator returns a map of the commercial insurance coverage categories that are likely relevant for you, with an explanation of what each one protects against and why it applies to your profile. It takes about a few minutes to complete.
How does Coverage Navigator decide what to show me?
Coverage Navigator applies rules built from four evidence sources: state insurance statutes, Bureau of Labor Statistics industry risk data (BLS integration coming in a future version), NAIC and industry-body coverage definitions, and documented commercial lease and vendor contract patterns. Your inputs determine which rules fire; every entry is categorized by priority (required, strongly recommended, or consider) based on statutory and industry-norm evidence.
Is Coverage Navigator insurance advice?
No. LumenaIQ publishes educational content about commercial insurance and maps regulatory requirements. LumenaIQ is not a licensed insurance provider and does not offer insurance advice. For specific coverage decisions, consult a licensed insurance professional in your state.
How is Coverage Navigator different from a quote tool?
Quote tools collect your information to produce a price from a specific carrier. Coverage Navigator does not require contact information to produce your map and does not route you into a sales pipeline. After your map is generated, you can optionally provide an email to receive a copy of your results — this opts you into LumenaIQ's email list, and your email is never sold or shared with carriers or affiliates.
What data sources does Coverage Navigator use?
Primary sources: state Departments of Insurance (for statutory requirements like workers' compensation and commercial auto), the NAIC (for coverage category definitions and consumer materials), documented commercial lease and vendor contract templates (for contract-driven requirements like general liability and cyber), and — in a future version — Bureau of Labor Statistics industry risk data indexed by NAICS code. Each output citation links directly to the source.
Is Coverage Navigator free?
Yes. No account, no paywall, no contact information required to use the tool. Coverage Navigator is part of LumenaIQ's commercial insurance education publishing; LumenaIQ earns affiliate commissions from some carriers surfaced in the results, disclosed on every page. Affiliate relationships do not influence which coverage categories appear on your map.
Does Coverage Navigator work outside the United States?
No. Coverage Navigator is US-only. Insurance law, coverage conventions, and industry norms differ materially by country, and Coverage Navigator's rule base is built specifically around US state and federal frameworks. A non-US version is not currently planned.
Disclaimers
US-only tool. Coverage Navigator applies US state and federal insurance frameworks. It is not accurate or appropriate for non-US businesses.
Educational only. LumenaIQ publishes educational content about commercial insurance and maps regulatory requirements. LumenaIQ is not a licensed insurance provider and does not offer insurance advice. For specific coverage decisions, consult a licensed insurance professional in your state.
Affiliate disclosure. LumenaIQ earns affiliate commissions from some carriers surfaced in Coverage Navigator results. Affiliate relationships do not influence which coverage categories appear on your map. Full disclosure at /disclosures/.