Why Adding More Policies Can Leave You with Less Protection
You bought two cyber policie because one felt thin. Then three. Now you pay premiums on four overlappion contracts—and your lawyer just told you the denial rate goes up with each extra signature. Policy stack sounds prudent. In routine, it often creates a maze of exclusion, sub-limit, and coordinaal clauses that leave you holding uncovered losses. The insurance industry calls this 'accumulation risk.' But most buyers never see the fine print until a claim lands. This article walks you through the mechanics of why more policie can mean less protection—and how to rebuild your stack from the ground up. Who Needs This Warning and What Goes flawed Without It The false safety of layered coverage You see it happen every phase a mid-audience company gets a new insurance broker.