Insurance and the management of risk of your business is a complicated issue which requires the use of trained professionals to ensure that you have the correct level of cover at the right price. When you deal directly with Insurance Companies, no matter how friendly or well established, the fact remains that they are primarily concerned with their business interests and not yours. This is understandable. They have a business to run, as do you. When you are negotiating contracts, whose interests do you focus on, the customers or your own Company’s?
It is like arranging for purchase of land. You would not leave everything to the man selling you the land, you would use a lawyer to protect your interests. Insurance should be viewed in a similar fashion; you need professional Insurance Brokers checking things on your behalf.
This does not mean that you mistrust or have bad feelings towards your Insurers, it means that you are treating this subject in a professional manner.