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.