In many areas of life, we get advance guidance about correcting otherwise reasonable instincts in precarious situations: “Put your own mask on first”; “Avoid braking when losing traction”, or “Just say no to drugs”. Commercial policyholders/insureds may stand to benefit from similar guidance. This article identifies some sensible instincts by commercial policyholders that may undermine their opportunities for coverage in the aftermath of a loss: 1. "We probably don't have c