The owners of the Calgary Saddledome are worried. A piece of concrete fell down from the roof and several people were hurt. The owners realize that they are facing numerous lawsuits and are well aware that the costs to hire lawyers and experts to defend these lawsuits will be substantial. The owners do, however, have a liability insurance policy that they purchased from Bad Luck Insurers Company. Explain why this insurance policy will be helpful to the owners of the Saddledome.