Somebody collecting three quotes cannot assess the work itself. They can only assess the paperwork, which means the document is doing more selling than the price.
A complaint lands in a queue in front of somebody with a script and limited authority. Knowing what that person can and cannot do changes how you write it.
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
All three feel like costs of earning a living, because they are, and all three are generally not deductible. One piece of reasoning explains every one of them.