#4 is probably the worst.
#6, requiring the reporting within 10 days of stolen hardware, isn’t so great either, unless it’s coupled with requiring criminals to leave a note that they indeed stole the gun. For example, you house cleaners steal a gun that you thought was hidden...and you don’t realize it for a couple of months, during which time it is used in several crimes and then traced back to you. Do we really want to go there.
...and to all the Moulin Rouge types here, so much for claiming you lost them in a boating accident.
I know two people who lost guns in boating accidents. For real
Even if there is an embezzlement in a business that has gone on for some time, the insurance company time limit to report such starts when you DISCOVER the loss.