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Insurance policies are supposed to be in place for that stomach wrenching time when something goes terribly wrong. They become the main line of defense against the unknown and financial ruin, but this line can be breached by unanticipated events and circumstances. Carrying enough insurance should be standard practice in the construction business, but the time to discover any holes in the coverage is before the crisis hits. Setting high policy limits is not enough. The bigger danger is in not being covered at all for things you never even thought could happen. Let's take a look at some of the more common gaps in insurance coverage, and what you can do to close them. Workers Comp If you're a