To my mind it is worth it for the professional insurance alone.
There are other methods of insuring yourself and buying indemnity but this to me, after 18 years in the industry, is the simplest. It might not be the cheapest but you get what you pay for.
Like all insurance policies it can appear expensive until you need it and then it seems a no-brainer. I am sure it would be extremely comforting to know there is someone between you and the smoking barrel of a gun after an incident.
There is also the financial and legal advice that comes along free of charge in the first instance!
HWB