Sure, attorneys, doctors, dentists, nurses and engineers all need protection against claims that their actions, or non-actions, caused damage. What about someone who designs computer programs, sells homes or advises you regarding your finances? Professional liability is needed by a large range of occupations and is integral to a well-planned program of insurance.

But, how about someone who sits on a board, reviews management decisions and suggests future business paths? Equally important to a business is coverage for their company’s board of directors and management staff. Even well intentioned volunteers sitting on not-for-profit boards have been sued over the past few years. A lot of the cost associated with these claims is in defending you, regardless of the ultimate judgment.