Insurance - don't believe the first broker you call

Michael wrote:

I could tell you the particular agencies, but it wouldn't do you any
good (unless you have this specific issue - low time pilot in
expensive Bonanza - in which case email me). There's no real
consistency. One company will write one operation but decline
another, and another company does just the opposite. It's not like
automotive insurance, where there are standard tables. Aviation
insurance is very much judgment based, and judgment varies.

Why would the agent - which doesn't issue the actual insurance, as I
understand that business - ever turn away business if someone to write the
policy can be found? Something sounds off, here, as if we (outside the
insurance business {8^) are missing a part of the puzzle.

- Andrew