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Unlike a Commercial General Liability, which provides coverage for bodily injury, property damage, and personal injury, a Professional Liability policy covers wrongful acts, errors, or omissions the insured commits.
Professional Liability Insurance
Medical Malpractice Insurance: covers medical institutions and medical professionals from exposure of bodily injury to the client.
Legal Malpractice Insurance: protects lawyers and firms that perform legal services to the client.
Errors & Omissions (E&O): refers to other types of professionals - architects, insurance agents and accountants. E&O coverage is for rendering or failing to render a service.
Other Professional Liability Policies
Directors and Officers Liability: Corporate officers and directors may be sued for breach of corporate duties. These duties include: exercising reasonable care, loyalty to the corporation, loyalty to the stockholders and disclose material facts.
Employment Practices Liability: protects the employer from lawsuits for discrimination, harassment and wrongful termination.
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