Today's attorneys are faced with greater challenges and responsibilities than ever before in providing legal services. The increasing complexity of the law has led to ever greater specialization, with attorneys being held to ever higher standards of conduct. Even with continuing Legal Education attorneys are hard pressed to stay current with all developements in their areas of practice. Therefore, the rising frequency and severity of claims for alleged neglects, errors, or omissions in the performance of professional legal services comes as no surprise. The attorney's professional liability policy is no longer an option but the necessary means by which the attorney or law firm is protected against damages for monetary loss as a result of covered actions traceable to any person for whose acts the insured is legally liable as well as those of the insured.