Why You Need It
Today's consumers expect more. They act on complaints. They sometimes take legal action.
Some day you could be the subject of legal action.
As an advisor you are susceptible to liability claims brought on by consumers' heightened expectations regarding the services they receive and their willingness to resolve grievances and dissatisfaction through legal means. While you may in fact have done nothing wrong, you may nonetheless be in danger.
All legal actions are costly and time-consuming. Protect yourself. Protect your business. You can be sued, even if you have done nothing wrong.