What is PolicyChecked?

PolicyChecked helps businesses understand their commercial insurance. A free AI coverage check lists what your policy documents show, and a licensed insurance agent can review your coverage, answer questions, and quote options. We are not an insurance company.

Does the AI tell me what coverage I need?

No. The AI reads your documents and lists what they show, such as coverages, limits, deductibles, and dates, and flags items worth discussing. Advice about what to buy comes only from a licensed insurance agent.

What should I upload for the coverage check?

Your declarations pages are the best place to start. They summarize each policy. You can also upload endorsements, certificates, vehicle and equipment schedules, and loss runs as PDF, JPG, or PNG files up to 25 MB.

Is the coverage check free? Is the agent review free?

Yes to both, with no obligation. If you decide to buy or change coverage, the price of that coverage is set by the insurer.

Can you give me a quote?

A licensed agent can. Request a quote or call us, and the agent will ask about your business so the quote reflects how you actually operate. There are no instant online quotes.

Does checking my coverage change my insurance?

No. Uploading documents or requesting a review does not create, bind, change, or cancel any coverage.

Who can see my documents?

You, and the authorized staff and licensed agent who review them. Files are stored privately, access is limited by role, and every access is logged. Documents checked without an account are deleted after 24 hours.

Can I use this to report a claim?

No. To report a claim or a loss, contact your insurance company or current agent directly, or emergency services if anyone is in danger.

Commercial Insurance for Businesses

Know what your business insurance actually covers.

Upload your policy for a free AI coverage scan and get your efficiency score. See your coverages, limits, and deductibles in plain language, spot the items worth asking about, then raise your score to 100 by reviewing it with a licensed agent.

Check Your Coverage Get a Quote Call (888) 509-8502

Free AI scan of your declarations page, in plain language
An efficiency score that shows what to do next
Reach 100 by reviewing with a licensed agent, free

Coverage check

Prairie Builders LLC · example

Scan complete

60of 100

Efficiency score

Rises as you complete each step. Reach 100 by reviewing with a licensed agent.

Policy uploaded+30
AI coverage scan+30
Review with a licensed agent+40

What the AI found

General liability: $1M each occurrence
Additional insured: Blanket endorsement
Commercial auto: 3 vehicles scheduled
To discuss: Contract asks for a per-project aggregate

Get to 100: review it with a licensed agent

Illustration only. The score shows your progress, not a rating of your coverage.

Check your coverage free

Drop in a declarations page or policy (PDF or photo). AI lists what it shows in about a minute. No account needed; files from visitors are deleted after 24 hours.

Email me my results (optional)

I confirm that I am authorized to share these documents and consent to their secure processing for document-organization and renewal-preparation purposes.Uploaded documents are read by an automated service (Claude, provided by Anthropic) to create a factual summary for you. Your documents are not used to train AI models. Without an account, your file and summary are deleted after 24 hours.

Drop your policy here

Declarations page, certificate, or policy. PDF, JPG, or PNG, up to 25 MB.

How it works

Three steps from a stack of policies to a clear picture of your coverage.

Your path to a efficiency score of 100: 0 of 3 steps done

Not ready yet? Get these 3 steps by email, with links to pick up where you left off.

Commercial coverage types

Plain-language guides to what each policy commonly covers, what it leaves out, and what to check on yours.

How the pieces of a commercial insurance program fit together

Industries we serve

The insurance questions that come up in your trade, and the paperwork customers ask for.

Serving businesses across South Dakota

We started in South Dakota, with an office in Lennox near Sioux Falls. The coverage check works anywhere; licensed agent services are available where we are licensed.

Commercial insurance in South Dakota Business insurance in Sioux Falls

PolicyChecked

46473 US Highway 18

Lennox, SD 57039

(888) 509-8502

Get directions

Why PolicyChecked

See your coverage first
Most people buy insurance without ever reading the declarations page. We show you what yours lists before anyone tries to sell you anything.
Advice from a licensed agent
AI reads documents. Recommendations about coverage, limits, and price come only from a licensed insurance agent.
Built around real paperwork
Certificates, endorsements, vehicle and equipment schedules, and contract requirements, the documents that decide what a policy actually does.
Private by design
Files are stored privately and scanned for malware. Staff use two-factor sign-in, and access is logged.
No obligation
Check your coverage and ask questions without committing to anything. Nothing changes unless you decide it should.
Local, and growing
Based in Lennox, South Dakota, with an office you can visit, and built to serve businesses beyond state lines as we grow.

When you're ready, a licensed agent takes it from here

The AI check tells you what your documents say. It does not tell you what to buy. That's the job of a licensed insurance agent, who reviews your situation and explains your options. The review is free and there's no obligation.

Talk to a Licensed Agent Get a Quote

In a review, your agent

Goes through what your coverage check flagged, line by line
Compares your limits and endorsements with your contracts and leases
Explains options, and quotes coverage if you want them to
Puts recommendations in writing, so you can decide on your own time

Frequently asked questions

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.