Top 10 mistakes:

1. Low liability limits (use $1M/$3M)
2. Weak abuse coverage (min $500K)
3. No professional liability clarity
4. No hired & non-owned auto
5. Poor documentation
6. No annual review
7. Choosing price over structure
8. Incorrect workers comp classifications
9. Missing endorsements
10. Using generalist brokers

These mistakes often only show up during a claim.

For a review, contact Prosperity North Advisors.