A broker (in opposite to an insurance agent or insurance company employee) is not concerned to hide weak points in products offered by insurers.

In order to keep and gain clients a broker takes care to provide information that will allow the management of a company to make an objective insurance decision.

Even if a company has a relevant section that is dedicated to analysing offers from insurers it is a good practice to know an independent opinion from a broker whose knowledge and experience include various insurance situations.