I've got it, too. I have the ATP plan, which is more expensive but has more comprehensive coverage.
(Please, no one read into this next bit...) Since I work for a non-union carrier, I think the AOPA legal plan is a good investment, in case I ever find myself in hot water with the FAA.
I have faith that my company will back me up, as long as I have acted in good faith. But, I think the AOPA plan is a good, cost effective backup.