Every day, New Jersey residents every day look to licensed professionals like dentists, CPAs and attorneys to resolve problems that crop up in their lives and livelihoods.

Those professionals are also a huge part of their communities and drivers of the state's economy, yet they often struggle to meet overhead expenses. One of the biggest monthly bills is professional liability insurance, especially since New Jersey has the most restrictive insurance market in the region, they report.

Irwin Millinger, an attorney in South River, is getting close to retirement and, as a loyal customer of an insurance company, had been promised free tail coverage when he retired. Then the insurance company stopped writing professional malpractice coverage in New Jersey and he had to start over.