I know I'm probably going to take a lot of nasty answers over this question but I'm just curious. It seems to me that everyone on this site either brags about how much insurance they have or tells everyone else that they need it. Now for my question...unless you are a really large company why have insurance??????? They can only sue you for the money you have...in this i mean if you have a million bucks of insurance then all of a sudden u set yourself up as a juice lawsuit target. The reason doctors get sued is because they have lots of money. I mean lets face it nobody in this industry is rich and there for realistically not a ripe target for a suit. Getting insurance just seems to play into the problem not help it.