We ask our prospects, “What good is a life insurance policy if it has a death exclusion?”
More often than not, we stumble upon such provisions in commerical insurance policies. In other words, the insurance policy
does not provide any coverage relating to the client's exposures or concerns. The following
are some examples:
No Coverage for Waterborne Contractor's Equipment
What happens when no one reads the policy.
Injury to Independent Contractors Exclusion Creates Severe Coverage Gap
Here is an outline of an everyday exposure for a typical (ABC) company that utilizes subcontractors.
Fellow Employee Exclusion on an Auto policy
This scenario represents an actual coverage flaw in an insurance program of a well-run, profitable business.
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