Insurance is easy to buy and hard to read.
Your Business goes through the cover with you in plain language before you sign anything. What is included, what is excluded, what the excess is, and what actually happens on the day you need to make a claim.
We would rather spend twenty minutes on that now than have you find out at the worst possible moment that something was never covered. If a cheaper policy leaves a gap that matters to you, we will point straight at the gap.
You are not obliged to buy. Plenty of people come to us with an existing policy, ask us to look over it, and decide to stay where they are. That is a perfectly good outcome.