Think of it as an added layer of security that's dedicated specifically to protecting your assets, career, and reputation. Your employer (e.g., a large gym) might have a policy that protects its brand, but in the event that you – an individual instructor – are named a lawsuit, your employer's policy might not fully protect you. Or your employer might want to settle a claim, but you might want to dispute it. Having your own policy can help you feel more in control of the outcome.