Something Too Serious To Ignore
If you work in an occupation where there exists a high risk of you being sued or taken to court to wrongdoing, it would be a smart decision to always have liability insurance. By having such a type of insurance, you effectively reduce the possibility of going bankrupt or out of business if you are successfully sued against.
There’s no doubt that this is something too serious to ignore because nobody wants to lose their livelihood which is either their job or business. The consequences could be detrimental for your life. Covering yourself in case of the worst is the smartest thing to do.