Successful clients have unique liability needs, due to frequent travel, vulnerability to lawsuits, and positions on boards. An excess policy should include worldwide coverage that covers the person no matter where they travel—whether a few miles down the road or to another country. Personal injury includes bodily injury but also extends to "pain and suffering" claims, including shock, mental anguish, libel, and other categories of liability. A thorough liability coverage policy should include personal injury. Directors and Officers liability coverage applies to members of a nonprofit, corporate, or other boards, and protects the policyholder from liability of damages allegedly caused by their acts or omissions as a board member.