I think you are deliberately missing the point. If you take out legal protection insurance it does not mean that the insurer is taking industrial action when you call in the insurance. AOA/IFALPA membership is there to support you when you need help. Court action is not Industrial action, it is the action that you take through the local judicial process. Otherwise you are saying that employers are above the law when it comes to dealing with their staff. Oops, that is what you are saying!!