<Are there any legal protections for the RM's?  Can someone explain
liability insurance or any other legal protection RM's might have?>

There is something called "errors and omissions" coverage which *can*
apply to RMs.  Basically it is insurance for professionals that protect
them from making inadvertent errors or omissions while performing their
professional services.  I do not know all of the insurability rules, and
believe that I am not covered by my firm's policy - our lawyers are. 

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