This paper discusses some important questions to ask an insurance broker regarding liability insurance. The author based these questions on his interviews with Kathryn Hammerback, Craig Hammer, and Mike North: (1) Are centers covered when...?; (2) How can a center director cut costs on this policy?; (3) Is this an "occurrence" or a "claims-made" policy?; and (4) Is the policy from an admitted carrier?. The author also highlights the recommendation of Mike North, that directors should read their policies.