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For example your company is insured for 10 million dollars, while negotiating with your insurance agent about the ransom he will offer us the lowest possible amount, for example 100 thousand dollars, we will refuse the paltry amount and ask for example the amount of 15 million dollars, the insurance agent will never offer us the top threshold of your insurance of 10 million dollars. He will do anything to derail negotiations and refuse to pay us out completely and leave you alone with your...