We are covered, for example, if one of us accidentally knocks over a valuable object in a shop.
I must get some of this insurance, I've been meaning to take my pet bull shopping for some new crockery for a long time.
Oh very good!!
DMJ, I really don't see how you are involved here. As for remembering insurance companies, I don't remember all three of mine, but I do know all three brokers, so I would deal direct with them.