That’s where the requirement was buried. And because it was missed, Brian lost everything.

His entire business—gone in a fire. And the $2M insurance policy he had? Worthless.

The claim was denied.
Not because he didn’t have coverage.
Not because he didn’t pay his premiums.
But because he missed a required inspection on one piece of equipment.

One line. On page 32. That nobody ever pointed out. 20 years of building, growing, sacrificing. Wiped out in an instant—and there was nothing anyone could do to reverse it.

That story changed how I work with every single client.

Because the truth is: most business owners have no idea what’s hiding in the fine print of their policies. And most brokers aren’t slowing down to show them.

Before we talk premiums or coverage limits, we walk through the actual responsibilities buried in the policy—no matter how small or tucked away they are.

Don’t wait for a disaster to find out what’s on page 32. When was the last time someone walked you through the hidden responsibilities in your coverage?