Where gaps happen:
- Auto coverage (vehicles uninsured)
- Pollution (claims-made exposure)
- General liability timing
Safe process:
- Bind new policy first
- Confirm all drivers/vehicles
- Maintain pollution continuity
- Cancel old policy AFTER confirmation
Common mistakes:
- Switching too fast
- Missing drivers
- Not understanding claims-made policies
For help switching safely, contact Prosperity North Advisors.