Obstacles to Product Liability Insurance

I'm a paramedic who has developed a new, nondiagnostic product for use by first responders. I'm looking for product liability insurance, but in shopping around, I've been asked for crazy stuff like $10,000 in premiums and a list of all my assets. The broker says I would have to sign a contract and pay for coverage before I got a copy of the policy for my lawyer to examine. Is this normal, or am I getting taken for a ride?—N.A.B., St. Louis

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