Professional Liability

Professional liability coverage, as opposed to commercial general liability coverage, protects against claims or suits brought against you, your employees, or your firm as a result of negligent acts, errors, or omissions resulting from you providing or failing to provide professional services.

A professional liability policy is often written on a “claims-made form” which means the policy must be in force at the time a claim is made in order for coverage to apply. If you have had continuous, uninterrupted professional liability coverage in the past, “prior acts” coverage will apply from the date your first policy went into effect. Most professional liability policies include defense coverage in the limit of insurance. Defense coverage will reduce the limit of coverage available to pay any judgments.

Just as your profession has complicated aspects, this area of insurance requires specific expertise. Please contact us to review your professional liability coverage.