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

https://www.bookmark-step.win/when-a-perfect-policy-fails-what-longtime-homeowners-often-miss-and-how-to-fix-it

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