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Professional Liability Insurance

Professional Liability Insurance protects professional practitioners, such as insurance agents, architects, surveyors, home inspectors, lawyers, physicians, and accountants against potential negligence claims made by their patients or clients. The primary reason for this coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury, or advertising injury claim; however, professional services can have claims brought against them that have not caused such injuries or damages. Common reasons alleged in making claims on professional liability insurance policies include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice, all of which are covered by a professional liability policy.