Sometimes it's easy to miss when it's the last thing that needs to get done.

Of course, no one tries to dial up the ambiguity to create a major legal liability...

But, when it comes to serious, more complex claims, there is a decent chance that's exactly what will happen.

The best part is most of it can all be avoided if you stop and add one or two checks and balances to the process.

Jim Skarsynski, Chairman at Skarsynski, Marick & Black LLP, talks about why you might want to think twice before adding anything extra to a policy.