Businesses must often carry insurance policies simply to comply with the legal requirement of being properly capitalized. Policies such as general liability and product liability may be considered fundamental and essential business tools. And yet, policies that are purchased may actually not cover a business for their most fundamental needs. These policies tend to be quite complex and dense and caveats for denying coverage exist in many situations. The only way to avoid such a situation is to carefully analyze a policy and even negotiate its terms prior to procuring it.