Retail

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First product recall

A CPSC recall names the company as manufacturer, importer or distributor.

Details
Standard cover
Usually excluded
Needs
CPSC Recalls
Exposure
Product liability pays for the harm; it does not pay to pull the product off shelves. Recall expense is a separate purchase almost nobody has made.
Window
At publication, after the recall is already agreed
Misfires
A distributor named on a recall may have full indemnity from the manufacturer.

Named in a breach notification

A state attorney general publishes a notification naming the company.

Details
Standard cover
Usually excluded
Needs
State Breach Notifications
Exposure
The incident is public and the claim is live. What is open is whether the cyber tower covers notification costs and regulatory defence, which is where these run up.
Window
Filed within the state's notification deadline
Misfires
The filer may be a vendor reporting on a customer's behalf.

A second location opens

Inspection, occupancy cert or entity filing at a new address while the prior address stays active.

Details
Standard cover
Usually excluded
Needs
health, Occupancy & build-out permits, Texas Comptroller Entity Search, Placer.ai
Exposure
A BOP schedules locations. Contents, improvements and BI at the new site sit outside it until endorsed on.
Window
2–6 weeks before the doors open
Misfires
A relocation looks identical for a few weeks. Confirm the original is still trading.

Delivery operation starts

Driver roles appear in postings, or a delivery attribute appears on the listing, where none existed.

Details
Standard cover
Usually excluded
Needs
Company Websites
Exposure
Hired & non-owned auto is almost never on a base BOP, and staff personal policies exclude it.
Window
2–6 weeks before the first delivery
Misfires
Marketplace delivery carries the platform's cover. Distinguish own-driver first.

First franchise filing

An FDD registration appears for an operator with no prior filing.

Details
Standard cover
Usually excluded
Needs
Franchise disclosure registries, Texas Comptroller Entity Search
Exposure
Franchisor E&O the operating policy never contemplated, plus an Item 8 duty to police every franchisee's cover.
Window
1–4 months before the first sale
Misfires
Registration means intent to sell, not that a unit has sold.

Build-out above $250k

A tenant improvement permit is issued with declared value above $250,000.

Details
Standard cover
Probable gap
Needs
Occupancy & build-out permits, Company Websites
Exposure
Improvements insured at a figure set when the lease was signed, and BI written against revenue that doesn't exist yet.
Window
4–12 weeks before opening
Misfires
Declared value can include landlord-funded work. Check who the permit names as applicant.

Headcount crosses fifty

Combined roles across sites imply fifty or more employees where the prior estimate was below.

Details
Standard cover
Probable gap
Needs
Company Websites, People Data Labs
Exposure
Fifty is a threshold, not a round number: ACA large-employer status, and an EPLI severity step.
Window
Confirmed over a quarter
Misfires
Inferred from postings. Routes to a conversation, never to a claim about their status.