- Inadequate liability limits and low home valuations
- Low deductibles on homes & autos, adversely affecting premiums and claims frequency
- Multiple agents in various states/insurance program not coordinated, causing coverage gaps, duplications and lack of proper updates
- Exposures not listed on personal excess liability policies
- Trusts, LLC’s, and FLP’s not listed as a named insured on policy when the asset is titled in such an entity
- Failure to schedule or insure collections of jewelry, fine art, wine, and other collectibles
- Lack of awareness of coverage limitations and options for specialty perils such as flood, excess flood, earthquake, mold, landscape, equine, etc.
- Improper coverage often placed on farm and ranch properties
- Failure to properly insure watercraft, antique autos, and other recreational vehicles resulting in property and liability coverage gaps
- Lack of workers compensation and employment practices liability insurance for families with domestic employees