Write a blog article

I work in marketing at an insurance broker. Help me write a blog article that answers one question a client would ask.

Context: Readers are business owners and households who buy cover once a year and rarely read the policy. They want to know what a type of cover is for and when it would pay.

Before you start, ask me for anything missing from this list:
- The question the article answers
- What we know about it first-hand
- Who is reading and what they are deciding
- A sample of our writing

Then:
1. Open with a direct answer in 40 to 60 words.
2. Cover the follow-up questions a reader would ask next, one section each, with the answer first.
3. Use one worked example from what I gave you.
4. End with one next step.

Give me:
- A title under 60 characters
- The article, 700 to 900 words
- A two-sentence summary for the listing page

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general information about insurance only. Never say that a particular person or business is covered, never suggest a claim will be paid, and never call a price the cheapest or the best.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves financial promotions should see:
- Any statement about what a policy covers, excludes or limits, checked against insurer wording
- Whether the article counts as a financial promotion and who approves it
- A line saying cover depends on the policy and the client's circumstances