Most business owners believe they have protection.
They pay premiums every year.
They renew policies on time.
They assume their insurance advisor set things up correctly.
But in many cases, the problem isn’t the policy itself.
It’s a single clause buried in the structure of the coverage.
And when a claim happens, that clause can quietly destroy a business.
After 28 years in commercial insurance, I’ve seen this mistake more times than I can count.
A company suffers a major loss.
A lawsuit hits.
A product fails.
An accident occurs on a job site.
The owner believes their policy will respond.
Then the claim review begins.
And suddenly the carrier points to something the owner has never heard of:
An “Other Insurance” clause.
What this clause does is simple but devastating.
It determines which policy pays first — and which policy refuses to pay at all.
If policies are stacked in the wrong order, you can have:
• A general liability policy
• An umbrella policy
• A professional liability policy
And still find yourself completely uncovered.
Not because you didn’t buy insurance.
But because the structure was wrong.
One client learned this the hard way.
They carried over $3 million in liability coverage.
But when the claim came in, each carrier argued the other policy should respond first.
The result?
Months of delays.
Legal costs piling up.
And eventually a settlement the business had to partially fund themselves.
The coverage existed.
But the structure failed.
And structure is what most insurance programs are missing.
Insurance isn’t just about policies.
It’s about how those policies work together.
The order.
The endorsements.
The deductibles.
The exclusions.
That’s where the real protection lives.
The Real Lesson
Most businesses don’t lose money on insurance because of bad luck.
They lose money because no one designed the program strategically.
Coverage without structure is just paperwork.
Inside the Protection Circle
And most people won’t fix this until it’s too late.
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Inside Protection Circle Insider, I break this down step by step:
• What endorsements actually remove coverage
• The exact documents to review before renewal
• Real claim situations where this went wrong
• How to fix your structure before it costs you
No theory. No guesswork. Just real protection.
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Most people don’t fix this until it’s too late.
👉 Join the Protection Circle Insider
🔒 https://www.theprotectioncircle.com/upgrade
(Founder access is currently $29/month)
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