Protecting the ESSENTIALS is ESSENTIAL! Did you know that if you are sued by a patient CRIMINALLY that the company you give 100% for will not represent you? Why? You are now a CRIMINAL and the company will not associate themselves with you! However, if you are sued CIVILLY, you are covered. The COMPANY can't give away their billion dollar for profits honey! Unless, you are a CEOOO'S of companies that is...uh oh!