I work on projects as a contract Instructional Designer. I typically contract with a company that sells training services and then they have me work on a project for their client (for example, a bank), where I develop ILT or WBT courses. I'm wondering if I really need Errors & Omissions (professional liability) insurance -- no one has ever required that I have it so far. I'd like to hear other ASTD members' thoughts -- especially contract Instructional Designers who have had to use the insurance. Thank you. (littlestone47@verizon.net)