Navigation
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FEMA declarations (5yr)
36.2M
Small businesses
$318B
2024 global CAT losses
57%
Losses uninsured
1,840+
Active Superfund sites
Live Impact Projection Model
Model the national economic return of SME risk literacy.
Adjust adoption rate and horizon. Figures update in real time from federal sourcing assumptions.
Adoption rate
5%
506,800 SMEs reached
1%25%
Horizon
Scenario
Moderate — aligned with typical SME platform adoption curves.
Annual Financial Savings
$240M
Uninsured losses avoided / year
Federal Cost Avoidance
$84M
SBA + FEMA + Superfund share
Jobs Protected
2,763
From permanent SME closure / year
Sites Avoided
464
Soil + groundwater events / year
SMEs Newly Insured
329,420
Groundwater Protected
1.1B gal
Closures Avoided
337
5-Year Cumulative
$1.2B
Annual savings by source
Cleanup & remediation$139M
Third-party injury & property$55M
Regulatory fines & penalties$26M
Legal defense costs$21M
AI analysis — run from controls
Set your adoption rate, then click Run AI Analysis for a personalized policy-facing narrative.
The Uninsured Loss Cascade
One uninsured event → national economic harm.
Five linked stages from a single environmental loss to taxpayer absorption.
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STAGE 1
Uninsured Environmental Event
Flood, fire, spill, or contamination triggers liability. No environmental insurance in place.
$245K–$580K average cleanup cost
EPA CERCLA data
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STAGE 2
Business Closure or Bankruptcy
Unable to pay remediation costs, fines, or third-party claims. Business shuts permanently.
40% of SMEs close permanently after uninsured disaster
Congress.gov CRS R47631
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STAGE 3
Job Loss
Employees lose jobs. Agriculture and construction offer few alternatives in affected communities.
62.3M Americans work for SMEs
SBA 2024 · BLS 2024
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STAGE 4
Community Economic Disruption
Local tax base shrinks. Suppliers lose a customer. Community services are strained.
68¢ of every $1 stays local
NFIB Small Business Study
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STAGE 5
Federal Taxpayer Absorption
SBA disaster loans. FEMA appropriations. EPA Superfund. 35% of uninsured losses shift to federal programs.
$4.38B FEMA claims after Hurricane Ian
FEMA Hurricane Ian Recovery 2023
Federal Recognition
Five agencies document this as a national concern.
Primary-source findings on SME environmental risk and taxpayer burden.
U.S. EPA
“Has operated the Small Business Environmental Assistance Program since 1970 — explicitly recognizing that SMEs face disproportionate environmental regulatory burdens and lack advisory infrastructure.”
Source: EPA Resources for Small Businesses
The Economic Foundation
Small businesses are not a segment of the U.S. economy. They are the U.S. economy.
Federal data from the SBA Office of Advocacy and Bureau of Labor Statistics — establishing why environmental risk in SMEs is a national economic priority.
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U.S. Small Businesses
99.9% of all U.S. firms
SBA 2024
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of U.S. GDP
$9.6 trillion in output
SBA 2024
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of Private Workforce
62.3 million workers
BLS 2024
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2024 Protection Gap
Losses with no coverage
Swiss Re Sigma 1/2025
The EnviroRisk Contribution
How EnviroRisk addresses the national protection gap.
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Identifies Hidden Exposure
Early awareness prevents uninsured losses that destroy businesses.
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Closes Coverage Gaps
Insured businesses rebuild. Uninsured businesses close permanently.
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Navigates the Market
Faster placement means faster protection for businesses and their workers.
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Quantifies Financial Risk
Business owners who understand their risk take action.
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Monitors Regulatory Change
Businesses that know what is coming prepare. Those that do not absorb it.
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Publishes Original Research
Research-backed methodology scales beyond individual clients to the entire sector.
Model methodology: High-risk SME universe ~10.1M (28% of 36.2M · SBA 2024). Uninsured rate 80% (Swiss Re). Incident rate 3.2/1,000 SMEs/yr (EPA). Average claim $285K (EPA CERCLA midpoint). Conversion 65%. Federal cost shift 35% (CRS R47631). Closure rate 40%. Avg employees 8.2/SME (BLS 2024). Contamination rate 55%.