Several years ago, I decided to buy specialty business insurance and heard about a program offered by an approved vendor of a professional organization to which I belonged. I had specific risks common in this profession for which I wanted insurance. This well-known insurer affiliated with the organization seemed like the perfect place to find coverage. I applied and received a policy that looked good but had a footnote for exclusions. Sadly, these exclusions denied coverage for the specific risks that I sought to insure. Fortunately, I’ve learned to keep looking and here’s a resource that can help you to evaluate insurance easily and smartly.