I have a 200 amp electrical panel. It's all sealed, but the breaker switches are visible. My question is, do I need a cover or a door to hide the breakers from view? Reason I'm asking, the insurance company came and said I need to cover it. If that's the case, when I bought it and got it installed, why wouldn't have come with a door with a hinge to close?
National Electrical code does not require a door to cover breaker handles. It does require a cover that prevents access to electrified parts, which must have all openings closed. A panel without a door is not a violation, but a panel without a cover is.
However, this might be a requirement of the bank, or some other local amendment or code.
OK, in you question you said "the insurance company came and said I need to cover it" at this point any nec code reference is a moot point. The insurance company is telling you "we have an electrical standard and it requires you to have a lockable cover or we won't insure you".
For the sake of information:
Some older panels were manufactured without a door for the breakers. One of the problems with a code reference is that it is mentioned throughout in the nec (NFPA 70). I prefere article 110.25 "Lockable disconnecting means".
The reason it is not real clear in the nec is because it is derived from another code NFPA 70E (the National Electrical Safety Code). The cover is to allow a lock out tag out procedure.
All that being said nec article 110.25 states in brief there must be a means a breaker to be locked in the open position and must be permanent.
Once again all of this is moot because of the insurance requirement. You might be able to convince the insurance company if you could install a lockable device for the main breaker meeting 110.25 requirements. That may satisfy their requirement. Since we don't know the manufacturer of the panel or the date is installed, I don't know if they make an attachment for that breaker. But it may be worth a shot.