I noted with interest Susan Stobaugh's "Getting Covered" (Hands On, June), which describes the difficulty encountered by small, emerging companies in securing directors' and officers' liability insurance to protect senior management against lawsuits.

It is our company's belief, contrary to the opinion expressed in the article, that directors' and officers' liability insurance should be purchased during a company's developing stages, and should not be put on the back burner until the company begins to manufacture or sell its product or service.