{
 "schema": "aiblocks-page/1",
 "id": "business-insurance-needs-checker",
 "type": "skill",
 "name": "Business insurance needs checker",
 "summary": "Describe your business. Get its risks, the usual cover for each, what may be required where you are, and broker questions.",
 "headline": "Business insurance needs checker",
 "subhead": "Tell it what your business does, where, who works for you and what you own. It lists the risks that matter, the kinds of insurance that usually cover each one, and which may be required where you are. You get questions to ask a broker and what to compare in quotes.",
 "job": {
  "id": "check-contracts",
  "name": "Check contracts and rules"
 },
 "level": "beginner",
 "thinking": "medium",
 "tested": true,
 "updated": "2026-10-27",
 "first_published": "2026-10-27",
 "inputs": [
  {
   "type": "question",
   "required": true,
   "label": "Question",
   "what": "the problem, decision or piece of work you want help with, and what a good outcome looks like"
  }
 ],
 "outputs": [
  {
   "type": "audit_report",
   "required": true,
   "label": "Audit report",
   "what": "findings with evidence, severity, missing inputs and next actions"
  },
  {
   "type": "question",
   "required": false,
   "label": "Question",
   "what": "the problem, decision or piece of work you want help with, and what a good outcome looks like"
  }
 ],
 "you_give": [
  "What your business does and where it works",
  "Who works for you: employees, contractors or only you",
  "What you own that you would need to replace, and what you hold for clients",
  "Whether customers visit you, or you visit them",
  "Any insurance you already have (optional)"
 ],
 "you_get": [
  "A list of risks that matter for your business",
  "The usual kinds of cover for each risk, in plain words",
  "Which kinds may be required where you are, marked to confirm",
  "Questions for a broker and what to compare in quotes"
 ],
 "use_when": [
  "You are starting a business and want to know what business insurance to ask about.",
  "Your business changed, for example you hired staff or began holding client data.",
  "You have a quote and want to know what to compare."
 ],
 "skip_when": [
  "You want a policy recommended or a price: ask a broker or insurer.",
  "You want to check a contract: use the Contract risk reviewer.",
  "You have a claim to make: speak to your insurer and keep all your records."
 ],
 "output_sample": {
  "input": [
   "What your business does and where it works",
   "Who works for you, and what you own or hold for clients",
   "Any insurance you already have (optional)"
  ],
  "output": [
   {
    "name": "Your business",
    "contains": "A short restatement of what you do, where, who works for you and what you own."
   },
   {
    "name": "Risks and cover",
    "contains": "Each risk, the usual kind of cover, whether it may be required where you are, and whether you have it."
   },
   {
    "name": "Gaps",
    "contains": "Risks that have no cover from what you named."
   },
   {
    "name": "Questions for a broker",
    "contains": "What to ask, one line each."
   },
   {
    "name": "What to compare in quotes",
    "contains": "The points that differ most between quotes."
   },
   {
    "name": "Missing",
    "contains": "Anything you did not tell it that changes the list."
   },
   {
    "name": "Checks missed",
    "contains": "One line for each of its own checks that still fails, or none."
   }
  ]
 },
 "output_shape": "YOUR BUSINESS\n<what you do, where, who works for you, what you own and hold>\n\nRISKS AND COVER\n<risk> | Usual kind of cover: <name> | May be required: <to confirm / probably not> | Have it: <yes / no / unsure>\n\nGAPS\n<risks with no cover you named>\n\nQUESTIONS FOR A BROKER\n- <question>\n\nWHAT TO COMPARE IN QUOTES\n- <point>\n\nMISSING\n<what you did not tell it>\n\nCHECKS MISSED\n<one line per check still missed, or none>",
 "how_to_use": [
  "Start a chat with the skill. Open it if you added it to your AI, or copy it and paste it in.",
  "Describe your business, your people, what you own and what you hold for clients.",
  "Say your country or state, so it can flag what may be required.",
  "Check each flagged item with your insurer or tax office, or with a broker.",
  "Take the questions to a broker, and use the compare list when quotes arrive."
 ],
 "checks": [
  "Every risk is tied to something in your business.",
  "No price, insurer or policy name appears.",
  "Anything that may be a legal duty is marked to confirm, not stated.",
  "Gaps are risks with no cover you named.",
  "The broker questions are specific to your business."
 ],
 "next": [
  {
   "name": "Business structure chooser",
   "url": "https://useaiblocks.com/skills/business-structure-chooser",
   "why": "Plan your strategy"
  },
  {
   "name": "Business plan risk buffer reviewer",
   "url": "https://useaiblocks.com/skills/room-for-error-plan-checker",
   "why": "Check the money"
  }
 ],
 "source": null,
 "credits": [],
 "files": [],
 "links": {
  "page": "https://useaiblocks.com/skills/business-insurance-needs-checker",
  "markdown": "https://useaiblocks.com/skills/business-insurance-needs-checker.md",
  "json": "https://useaiblocks.com/skills/business-insurance-needs-checker.json",
  "instructions": "https://useaiblocks.com/skills/business-insurance-needs-checker/SKILL.md",
  "api_item": "https://useaiblocks.com/api/v1/items/business-insurance-needs-checker",
  "api_document": "https://useaiblocks.com/api/v1/documents/skill/business-insurance-needs-checker",
  "mcp": "https://useaiblocks.com/mcp"
 }
}