In a recent issue you stated that a new Business Legal Expense Policy was available only in California (News & Trends, March). The policy is available nationwide and has been written since the mid-1970s. The problem is the policy is so good it hasn't caught on yet.

Some recent research has pointed out that two of every three lawsuits involving business are not covered by normal liability policies. Furthermore, an average business will be sued once every three years.It is roughly estimated that the chance of having a fire on business property is about 1 in 16. Yet no business would be without fire insurance.

Having been in the business for over 35 years, I can tell you this is a hot product. I have my policy and suggest to the smaller business owner that he or she get one as soon as possible.