There are 2 important parts in an insurance policy. The first part is conditions and coverage, which can be copied. The second part is claim for indemnity, which requires knowledge, experience and expertise that cannot be copied. The objective of buying an insurance policy is not to have it just in case you need it, but to be sure that when an accident happens, you will get compensation in full amount. This requires knowledge, experience and expertise of the negotiator. Therefore, it is important for the insured to choose the right broker company.