Accommodation operator
Programmes that insure the buildings but overlook the improvements — pools, function facilities, playgrounds, signage and the manager's residence — and leases that split responsibility between owner and operator in a way that leaves parts of the site insured by neither.
Property owner
Sums insured carried forward year after year while construction costs moved, and loss of rent set to an indemnity period far shorter than the time a damaged building would realistically take to repair and re-let.
Golf club
Course infrastructure, pump stations and specialised mowers missing from the schedule, business interruption written over 12 months when turf recovery needs 24 to 36, and committee members left without management liability protection.