There are plenty of things short of significant risk that would be useful to have a professional legal opinion on. You are also making the faulty assumption th

There are plenty of things short of significant risk that would be useful to have a professional legal opinion on. You are also making the faulty assumption that policy has sufficient coverage to avoid ambiguities and cover all events. It doesn't. Something not particularly risky, not covered by policy, but touching on a legal matter are not uncommon. Your comment is rather strange in fact given the actual linked article's example.