Underwriting for some insurances is based solely on statistics.   When you are dealing with insuring a unique entity like your business, rather than an object like a house or a car, the statistics aren’t as important, because there are so many variables. What is important, is to have an experienced broker who knows your business and the various pitfalls that can occur for somebody working in your sector. We know what situations and scenarios cause claims, and can not only help you find a policy that fits you perfectly, but can also give advice on good practice in terms of risk management too. Insurance.