Why underwriters ask about it
you can't find a gap in coverage you haven't listed. This is the map the rest of the conversation stands on.
How to fix it
- Gather every active policy: general liability, professional liability/E&O, cyber, property, umbrella, and any malpractice coverage.
- Record per policy: carrier, policy number, limits, renewal date, and your broker's name.
- Keep it with the AI inventory — the two documents travel together.
Evidence to keep
the coverage inventory, updated at each renewal.