Liability vs cover
Whether a company is legally liable and whether the policy provides cover are separate questions.
Knowledge
How to read business liability cover.
Policy quality is found in the business description, extensions, exclusions, sublimits and claims practice.
Own work vs consequential loss
The cost of correcting defective own work is usually treated differently from damage caused to other property.
Report business changes
New activities, products, markets and working methods can change the risk and should be included in policy reviews.
Preserve claim evidence
Photos, contracts, orders, work reports, witness details and technical records can be decisive in liability and coverage reviews.