Having Policy in column A, and months in columns B:M
Code:
=AND(SUM(B2)>0,C2>0,D2=0)+AND(SUM(C2)>0,D2>0,E2=0)+AND(SUM(D2)>0,E2>0,F2=0)+AND(SUM(E2)>0,F2>0,G2=0)+AND(SUM(F2)>0,G2>0,H2=0)+AND(SUM(G2)>0,H2>0,I2=0)+AND(SUM(H2)>0,I2>0,J2=0)+AND(SUM(I2)>0,J2>0,K2=0)+AND(SUM(J2)>0,K2>0,L2=0)+AND(SUM(K2)>0,L2>0,M2=0)+AND(SUM(L2)>0,M2>0)
Enter the formula into cell N2, and copy down.