You may be able to modify the exclusion for an additional premium or find a competitor's policy of similar quality without the exclusion. The financial strength of an insurer is important as insurance will only be valuable if the insurer is solvent when a claim arises. Moreover, insurers in a weak financial position may be prone to disclaim claims against their insureds. A.M. Best is a good guide but should not be the only benchmark. A knowledgeable insurance broker should be able to give you greater insight into the strength and stability of each company being considered.
Price is often negotiable but beware of a deal too good to be true.
Responsiveness - Consideration must be given not only to the insurer selected, but also to the broker you are using. As a rule, you should work with a broker who specializes in professional liability. Risk Management - Many companies offer loss prevention services. Some insurers place greater emphasis on this aspect of practice than others. In this regard, it should be remembered that only a portion of the cost of a claim is covered by insurance.