One can get claimed or sue to a lawsuit whether you are a mechanical engineer, a real estate agent, a medical professional or even a software engineer.
What ever the profession in you are, a client can file a lawsuit against you if he/she feels that they has been harmed in some way of physically, financially or professionally, to compensate for their loss. As the result you are likely to spend thousand of dollars, while a insurance will helps you in such situations.
Your insurance policy will set up to help cover your legal defense costs as well as damage awards won by the client. You need to take into consideration the type of work you do and how a client might be affected by your service. The greater the rate of return your service offers a client, the more he stands to lose if the job isn't done right. Remember, you don't have to actually be negligent to be used, your client only has to allege that you were negligent.
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