Liability insurance is available to cover potential attorney malpractice. As with most liability insurance, the premiums charged have increased significantly in recent years. Malpractice insurance coverage for attorneys is usually not required either by law or by the Professional Rules of Conduct. As in many other liability situations, those who can most afford a major loss carry ample insurance, whereas those who have little financial ability are more likely to be without insurance. Should malpractice insurance or other proof of financial responsibility be required as a condition for the practice of law? Discuss.