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.
Most small operations know the total for the year and nothing about which work produced it. The difference between those two facts is usually an entire category of job.
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.
Classification is settled by how a working relationship actually operates, not by what either side agreed to call it. Several different agencies get a vote.
Legal work is priced three ways, and the structure you are quoted says what kind of problem the attorney believes you have. That is useful information by itself.
Pricing against a competitor copies their arithmetic without ever seeing it. The number that decides everything is how many hours a year can honestly be billed.