UmbrellaGap

UmbrellaGap is a mobile + web app (traditional + AI) that audits your real-world liability exposure against your current insurance stack—auto, homeowners/renters, watercraft, rentals, and side gigs—and flags where an umbrella policy won’t actually respond. Users connect policies via document upload and carrier emails; the app extracts limits, exclusions, underlying requirements, and named insured details, then simulates common loss scenarios (dog bite, teen driver crash, Airbnb guest injury, defamation, pool accident). It outputs a plain-English “coverage readiness” score, a checklist to fix blockers (raise underlying limits, add insureds, correct addresses, add endorsements), and a broker-ready packet. It does not sell insurance; it helps you avoid buying a false sense of security. Realistically, the hard part is carrier data inconsistency and edge-case policy language—so the product focuses on high-confidence checks and clearly labels uncertainty.