Even in good times, policy exclusions can test a relationship with a client. In tougher times, unforeseen exclusions can wreak havoc on an insured’s business and impede their ability to repair property damage, pay medical fees or adequately protect their assets.

Here Amanda N. Ruppel, Personal Insurance Manager, Burns & Wilcox and Melanie M. Elias, Corporate Associate Vice-President, Director of Claims, Minuteman Adjusters, examine several scenarios to highlight best practices and some common pitfalls in the policy creation process in order to help brokers and agents keep their clients on-track.