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Had I been in private practice before I retired I would have wanted the assurance of 6 years run off insurance. I think fraud is a matter for the compensation fund so what you gain in PII premiums you may lose in compensation fund payments. One of our professions best selling points is the protection of the client. Many years ago I acted for a daughter whose solicitor father had embezzled her inheritance from her mother. She got her inheritance back because her father was a solicitor with no other trustee would she have got it back without a court case and a trustee worth powder and shot!