Professional Liability

It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.

Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.

A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...

General liability covers third-party bodily injury and property damage. E&O covers financial harm from your professional work. Most businesses that give advice need both.

Immediately, and often earlier than you would think. A claims-made policy requires notice while the policy is in force, so a claim reported after it ends is generally outside ...

Usually not, and this is the most common disappointment on the form. E&O responds to a third party's financial loss caused by your professional error. It generally does not ...

Often not, and that surprises people who are used to general liability. Additional insured status is routine on general liability and unusual on professional liability, because the point of ...

There is no fixed formula, and four things set the working range. What your client contracts require, since many specify a limit and that becomes a floor. The size ...

Professional Liability Insurance typically does not cover intentional wrongdoing, bodily injury, property damage, or non-professional activities. For those risks, General Liability Insurance is usually the right place to look. ...