Answer: An insurance broker recommends the client to start working with another insurance company instead of the current one in cases when the recent experience of co-operation with a particular insurer proves the broker that it is now dangerous to place the risks with it. Given the crisis, nowadays there are no absolutely reliable or absolutely unreliable insurance companies. In 2009 we witnessed cases when the pricing strategy of an insurer, as well as its indemnity policy, could radically change within 12 months. Insurance companies are mostly sensitive to changes in top management or ownership structure.