For a national Fortune 500 technology executive our analysis of a personal insurance program revealed a significant error in the pre-existing program of the previous broker. The client owned and resided in a building with the ground floor leased to a high-end retail store. The personal insurance policy used to cover the building included an exclusion for commercial occupancies. The redesigned program eliminated the gap by combining a commercial policy for the building with a personal policy to cover the residence. There was no significant change in the overall cost.