Wow that is some story!
You really never know.
I personally always carried the Cotterell Mitchel & Fifer postpartum doula insurance when I was seeing clients on a regular basis. It's so cheap.
Some of my doulas in my service carry the insurance, some choose not to.
Here is a situation where Insurance is good thing to have because as a doula you have nothing!!!
One of the ppdoulas in my service cut off the tip of her finger making lunch for a client (in the clients kitchen), if the doula had pp doula insurance, the insurance contract says it would have reimbursed her emergency room visit, and the follow up finger specialist she had to see, she has no health insurance. The doula policy also covers to pay the ppdoula for the work with the client she could not complete because of her injury.
~ ~ ~
Here is a different type of circumstance I know of. I don't think labor doula insurance would have made a difference, possibly have made it much worse or prolonged the agony of a lawsuit for the mom and the doula, instead after settling with the hospital the client dropped the case aganist the labor doula.
My dear friend was a labor doula, and she also worked as a CBE on staff at the hospital, she took on doula clients privately, and her clients baby died during a long vbac labor from meconium aspiration.
Everyone on staff was included and swept up into the lawsuit all the RN's, doctors and midwife and Childbirth Educator. The doula got sued separately by the client's lawyer. The doula had no money, nothing, she could never defend herself or pay for a lawyer to help her.
The hospital settled out of court, but the lawyer wanted to pursue the doula until the client put a stop to it.
It finally got dropped by the client.