Analysts scrutinize definitions, excesses, conditions precedent, sub-limits, and territorial limits. Scenarios include fire, flood, breakdown, theft, cyber breaches, liability suits, and health events, mapped against policy responses. Recommendations include sum increases, add-ons, reinstatement clauses, business interruption periods, and expanded perils. Negotiation briefs help secure better wording or pricing. Deliverables include prioritised, actionable reports. Improvements are updated in your register with renewal reminders. Sums insured are validated using replacement values and recent claim benchmarks. Business interruption coverage is right-sized, and where exclusions are fixed, operational controls or alternative financing are proposed. Outcome: clarity, control, and confidence.