I didn't have trouble getting mine but I have heard recently from other POs that one of the big insurance companies cancelled their insurance. Others have said that there's an exclusion in their policies that limits them from doing any financial organizing.
I'm amazed at the very busy, successful, not new organizers who say they have no insurance and aren't worried about it. Huh? That's crazy. You have to protect yourselves!
A lot of POs I know went through NAPO for their insurance but mine is MUCH less than the NAPO one and I'm comfortable with the coverage.