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Marcello wrote…

No insurance no law suit [sic]. No lawyer will take a case if there’s no money to be made.

Wishful thinking (Rationalization) may help to sleep at night, but… For those teaching at the site, and especially for the older instructors who have gathered assets, your financial loss risk exposure can be significant. Some surgeons retire early for this reason. For your sake (and your family), maintain adequate protection for all that you have worked for.