Professional liability insurance is meant to protect professionals against claims made by their clients.

Those with expertise in a specific area—like accountants, lawyers and doctors—usually need professional liability coverage because general liability policies won’t cover claims dealing with things like negligence or malpractice.

Professional liability policies typically cover:

  • Mistakes, errors and oversights in services provided
  • Missed deadlines
  • Services that aren’t delivered
  • Breach of contract
  • Negligent acts
  • Copyright infringement
Professional liability insurance can have different names depending on the industry, like medical malpractice insurance or errors and omissions insurance.

These policies usually don’t cover things like business vehicles, business property damage or employee and customer injuries.

The slideshow above highlights five insurance coverage questions related to professional liability coverage that have been submitted to FC&S Expert Coverage Interpretation and answered by policy experts.

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