Having been sued for $6,000,000 and been through some of this I'll add this...
The attorney fees are only part of what you'll need covered. Expert witnesses from the medical field and in use of force will also be hired. The UofF expert who testified against me got $10,000 up front and $250 an hour after that to actually do any work. And he really wasn't even that good. I'd definitely look into what a company offers as coverage for those guys as well.
And, obviously, everything Waders said. Find out up front if you can hire your own attorney, what they'll pay, then verify with your attorney that he'll work for them and their method of payment.
