In a perfect world, there is no need for insurance. In a perfect world, people don't become ill, automobiles do not collide, products have no liability and saving for retirement is unnecessary. In the real world, sometimes things happen that are out of our control. In the real world, we all need protection to safeguard our business and our personal life.
David Eberhart — Given the chance they will wildly over-insure you. Buyer beware.