• Coverage amounts may not go high enough to cover all your personal costs
  associated with a lawsuit, including attorney fees, court costs, and settlement
  amounts.
• You may not be reimbursed for loss of earnings.
• A suit may be filed after you have terminated employment.
• You may not be reimbursed for licensing board hearings.
• With employer-provided coverage, you may have to share your coverage
  with your co-workers, your employer and the entity.
• A consolidated defense for an employer may represent the interest of the
  employer, not you.

With gaps like these in many employer-provided coverages, a lawsuit – whether
justified or not – can eat holes in your personal assets, wiping out your savings or
leaving you thousands of dollars in debt.

• Up to $4,000,000 in protection against the devastating costs of malpractice suits.
  (Some professions may qualify for a new $6,000,000 maximum protection amount.)
• Reimbursement for loss of earnings – pays up to $10,000 per incident for
  attendance at a trial, hearing or arbitration proceeding.
• Payment of defense costs up to $5,000 per incident/$10,000 annual aggregate
  for the investigation or defense of various proceedings before any entity
  responsible for regulating your professional conduct. (i.e. licensing board).
• Coverage for legal fees and court costs that are in addition to your limits of
  liability, even if the suit is groundless or false.
• Many other valuable benefits!