Insurance companies are in the business of risk management. They deal with very complex matters in other large groups they provide insurance for. Doctors, nurses, teachers, lawyers, architects, engineers, beauticians, day care workers, nurse aides and others are required to carry professional liability insurance.
Providing professional liability insurance for officers is no different—we first must create a market for the insurance, just as one currently exists for many other professions. Insurance companies will quickly enter the market and compete heavily on price.