The 15 controls carriers look for before they quote you, the proof underwriters ask for, and the coverage traps to avoid.

Insurers deny claims and raise premiums over gaps you could fix in an afternoon, and most businesses find out at renewal. This checklist shows what underwriters look for, so you can close the gaps before they cost you.

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What’s inside

• The 15 controls that show up on nearly every application from carriers like Coalition, At-Bay, Chubb, and Travelers
• The exact proof to have ready for each one, so a Yes on the form still holds up at claim time
• The sections underwriters score hardest: access controls, backups, and email security
• How to build one renewal folder that doubles as your claim defense