It depends on how busy my practice is. If it's pretty busy and what I'm taking in would at least cover the cost, I'll purchase insurance for the period.
If I'm not handling very many matters, I might affiliate with a firm that has insurance to keep costs down or forego insurance. If I forego insurance, I take care to disclose that fact to the client before beginning the engagement.
If I'm not handling very many matters, I might affiliate with a firm that has insurance to keep costs down or forego insurance. If I forego insurance, I take care to disclose that fact to the client before beginning the engagement.