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once there was a very good machine fixer one day a big Factory called him because their main machine broke down and no one in the factory could fix it he looked at it took out a little hammer and hit at a small spot on the machine the machine started working again the factory boss got a bill for 100 he thought it was too much for just one tap he asked why so much for a tap the fixer said one is for the tap and 89 is for knowing where to tap just as the boss was about to ask what about the balance of 10 the machine fixer continued and the remaining 10 is the insurance just in case I tap the wrong place and you will be compensated for the repair or replacement of the machine and maybe the loss of production during the downtime there are two equally good machine fixers in the market would you hire the one with a professional inity insurance or the one without but charges much lesser will that depend on how important the machine is to you or how expensive is the machine or how productive i