Which of the following is typically NOT included in professional liability insurance?

Professional liability insurance is designed to protect professionals from claims arising out of their specific professional services, primarily focusing on errors and omissions in the advice or services they provide. This type of insurance generally covers three key aspects.

Errors and omissions refer to mistakes made during the course of professional services or advice, making it a core component of this insurance. Legal defense costs are also typically covered, as the insurer will often defend the insured against claims that arise, including paying legal fees associated with these claims.

Property damage claims can sometimes be included, but they are typically more relevant to general liability insurance rather than professional liability, which focuses more on the quality of professional services.

General liability claims are not included in professional liability insurance because general liability policies cover broader issues such as bodily injury, property damage unrelated to professional services, and other general risks associated with running a business. Therefore, professionals who require coverage for these types of claims need to obtain a separate general liability insurance policy.

This distinction between professional liability and general liability insurance is crucial for understanding the types of risks covered and why general liability claims fall outside the scope of professional liability insurance.