A. officers have taken out professional liability insurance, to help with potential legal fees.

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Because the number of attacks have declined, piracy coverage prices have, too, said Amanda Holt, a vice president in the financial and professional liability unit at insurance brokerage Marsh in Norwich, England.

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"The lender goes through the closing documents with a fine-tooth comb and says, 'You should have noticed this, '" says Brian Baney, director of professional liability program claims at Zurich Insurance.

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In addition, many of the alleged benefits of joining, say, a teachers union liability insurance, for instance can be procured from non-union professional associations (such as the Association of American Educators) at far less than the cost of union dues.

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