How can I assess gaps in my insurance coverage?

Gaps in cover are the silent exposures that sit between the policies an organisation has bought, the limits it has chosen, and the risks it actually runs.

They are rarely the product of a single bad decision; more often they accumulate as the business changes faster than its insurance programme.

New activities, jurisdictions, contracts and dependencies create exposures that no existing wording was designed to meet, while inflation and aggregation quietly erode the real value of fixed limits.

For a board, an undetected gap is a contingent liability that only becomes visible at the worst possible moment.

This report sets out how coverage gaps are identified and stress-tested in your chosen jurisdiction and industry, and the disclosure and good-faith duties that shape any later claim.

It covers the indicators experienced risk leaders watch for, plausible financial impact ranges, and when to commission a broker review or coverage counsel to close gaps before they are tested by a live loss.