No Claims Didn’t Save These Businesses: Why “Nothing Happened” Is a Risky Way to Judge Coverage

https://www.charliebookmarks.win/1-look-my-agent-asked-when-i-last-reviewed-my-policy-and-i-realized-it-had-been-like-6-years-i-almost-got-caught-without-coverage-for-some-new-fixtures-we-added-like-that-fancy-smart-thermostat-glad-we-updated-it-just-in-time

Nearly half of businesses only discover gaps after a loss - and that's not luck working in their favor The data suggests you can’t treat a spotless claims history as insurance validation