I know a guy who has that insurance and he told me they never even received the policy. Well, I guess it's real insurance. Seems like they are in very initial stages with it. You'd think they would have a secure website for payment processing.
Maybe someone else can comment?
IMO, all liability insurance is nonsense, but I guess you'd rather have it then wonder what to do if you make a real mistake. Then again, it's welll known that if someone wants to take you for everything, anything's possible. :confused: It just all depends if they can prove negligence. How many of us are willfully neglegent?

Most statelaws will protect you unless you are willfully neglent and a lawyer can prove that in court. A good lawyer can prove anything.