The 3 Coverage Gaps I See in Almost Every New Client's Policy

An independent insurance agent reveals the three most common coverage gaps found in commercial policies — and how to close them before a claim exposes them.

From the Field | 6 min read | 2026-03-25

When a new client sends me their current policies, I almost always find the same three gaps. They're not obscure exclusions — they're fundamental holes that could bankrupt a business. Here's what to look for in your own coverage.

Every new client engagement starts the same way: they send me their current policies, and I read them cover to cover. Not the dec page summary — the actual policy forms, endorsements, and exclusions. It usually takes me about 45 minutes per policy, and I've done it hundreds of times.

The 3 Coverage Gaps I See in Almost Every New Client's Policy

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