AI Coverage Gap Explainer

WHAT IT DOES

Insurance policies can have hidden gaps—situations where you think you're covered but you're not. The AI Coverage Gap Explainer helps you identify and understand these gaps before they become a problem. You provide your policy details, coverage limits, and a specific scenario or risk you're concerned about, and the agent returns a clear, plain-language analysis with a brief overview of your policy and scenario, identified coverage gaps with plain-language explanations of what they mean, the potential impact or risk of each gap, and recommended options to address the gaps (like endorsements, higher limits, or separate policies). The tone is educational and client-friendly—perfect for policyholders, agents, or anyone reviewing their coverage.

HOW TO USE

Open the agent in BotSurf from your library. After pasting your API key once (handled securely by the host), enter your policy details, coverage limits, and a specific scenario or risk you're concerned about. Be as specific as possible—the more detail you provide, the more accurate the gap analysis will be. Click "Explain gaps" or press Ctrl+Enter (Cmd+Enter on Mac). The agent processes your input and returns a complete coverage gap analysis. You can also highlight policy details from any webpage, document, or email and click "Use selection" to auto-fill. Try the example tags above the input to see how different coverage scenarios are handled—flood, underinsured, liability, umbrella, and high deductibles. Copy the analysis to your clipboard and use it to discuss your coverage with your insurance agent.

WHAT IT SENDS

When you press "Explain gaps," the agent sends only the exact text you entered in the text area—your policy details, coverage limits, and scenario. Nothing else. No browsing history, no cookies, no account data, no hidden telemetry. The request is a simple text prompt to the AI model. The host records usage counts for billing (each press counts as one run) but does not log or store the content of your policy details or generated analyses. Your insurance information remains private.

SUBSCRIPTION

This agent costs $19.99 per month, with a 7-day free trial. You receive 100 runs per billing cycle—enough to analyze multiple policies, different risk scenarios, or for various family members. Cancel anytime from your BotSurf account settings. Unused runs do not roll over.

THE PANEL

The agent runs in a draggable, resizable panel that snaps to screen edges. Collapse it to a floating bubble (✨) when you need more screen space, and expand it again with one click. Press Escape to close the panel. The panel remembers its position across sessions via secure state storage.

PLEASE NOTE

This is a coverage gap analysis for informational purposes only. The AI identifies potential gaps based on the information you provide, but it does not interpret your policy, verify coverage terms, or provide legal or financial advice. Always consult your insurance policy documents and speak with a licensed insurance professional before making changes to your coverage. Coverage needs vary by individual circumstances—consider your personal risk tolerance, assets, and budget when evaluating recommendations.