Professional liability has no standard industry form, and that is the main reason quotes differ. General liability policies commonly start from a shared industry template, so two quotes are broadly comparable. Errors and omissions policies do not, because each insurer drafts its own wording. Two quotes at the same limit and premium can differ in what counts as a covered professional service, how a claim has to be reported, and what is excluded. Some of this line is also placed with insurers not admitted in California, which do not file their forms with the Department of Insurance and have wider freedom in rate and form. Read the definitions and the reporting condition before you compare on price.
Related FAQs
Yes, and the date is 1 January 2034. Corporations Code section 16956 is written to be repealed then and replaced by a version covering only accountancy and law. The ...
Yes. California publishes an export list of coverages the Insurance Commissioner has found are not reasonably available from admitted insurers, reviewed at an annual public hearing. For professional services ...
Ask how defense is treated, because on professional liability it is usual rather than unusual for defense costs to come out of your limit instead of sitting on top ...
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