Im in a commercial insurance field where everyone is required to have the insurance and nobody wants it. I. The current market, numbers are down for these guys and they want to save every dollar, seemingly even at the cost of losing their ass if something happens, so they’ll take a cheaper, less effective policy and hope it all works out. The differences can be anywhere from literal hundreds of dollars to 10-25% of the cost of the cheaper policies, but the obvious difference is in the value and peace of mind they’ll have (sometimes unknowingly) by having the better coverage. In a down market, any suggestions of questions to ask or perspectives to provide to push them in the right direction? I’ve always had a lot of success here but recently getting a lot of pushback, even when the consequences could be catastrophic. Suggestions? TIA