About isthiscovered.org
What this site is
isthiscovered.org is a reference library about how commercial insurance policies actually work — what business owner's policies, commercial property, workers' compensation, cyber, and commercial auto cover, what they exclude, and how the certificate-of-insurance machinery connects policies to contracts. It is written for the professionals who buy insurance for their companies: finance leaders, controllers, operators, and founders.
Who publishes it
This site is compiled and published by Komodo Risk Inc. — a disclosure we make plainly, because a reference on what is and is not covered is only as trustworthy as the publisher behind it. Komodo Risk Inc. also publishes our sister site, pleasedontsue.us, which applies the same library model to liability coverage — general liability, E&O, D&O, and employment practices. Content here is maintained by the editorial team, which is directly reachable by email.
Why it exists
Coverage questions have exact answers — a policy form either contains the exclusion or it does not — yet the pages that rank for them rarely give one. Ask whether a BOP covers a stolen laptop, what a certificate of insurance actually proves, or whether a platform's insurance requirement is satisfied by the policy you already hold, and the top results are written by companies selling policies: vague where the form is precise, quoting conflicting figures with no methodology, and pitched at first-time novices. The professionals who actually read contracts and buy coverage for companies go unserved. Komodo Risk Inc. built this library because that gap in commercial-insurance education and transparency was not closing on its own.
How pages are made
Every page answers one real question, drawn from large-scale research into what buyers of business insurance actually ask online. Answers cite primary sources — policy forms, state statutes, regulator publications, and the platform and contract policies that impose insurance requirements in the first place — in preference to marketing pages. Where sources conflict, we show the conflict rather than averaging it away: if two authorities read an exclusion differently, you see both readings. And we never quote pricing figures we cannot stand behind, which is why you will not find "average cost" numbers here. Research and drafting are assisted by AI tools; every page is reviewed and fact-checked by a named editor before publication and carries visible publish and review dates. The full standards are in our editorial policy.
Independence and funding
The library is funded by Komodo Risk Inc. and by nothing else. There are no affiliate links, no paid placements, and no lead selling — no carrier, broker, or vendor pays to appear here or influences what a page concludes. The ask-a-question box on every page feeds our editorial queue and nothing else: no mailing list, no quotes, no sales follow-up. The relationship between Komodo Risk Inc. and this site is always disclosed — here, in our editorial policy, and in the footer of every page.
Corrections
If something on this site is wrong, tell us and point to a source: hi@komodo.insure. We fix errors quickly and stamp the page with an honest updated date.