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Meet Joe, a contractor seeking general liability and workers’ compensation insurance for his business. His application states that he installs residential flooring. In the Dark Insurance Company submits a quote without conducting a loss run or verifying Joe’s application. Sleeping Easier Insurance Company enters Joe’s details (name, business name and address) into a contributory loss history database and immediately discovers an open worker’s compensation claim for a back injury sustained from a high fall. The claim detail reveals that Joe has been installing exterior siding, not just laying wood floors.

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