What is professional liability insurance?

If you are like a lot of people who live in Florida, you might have heard reference to specific types of insurance coverages that are meant for businesses or people in specific professions. Lawyers are in a group of professionals who should carry a certain type of insurance. According to The Hartford, this type of insurance can be known by many names but is perhaps most commonly referred to as legal malpractice insurance

Legal malpractice insurance is also sometimes called professional liability insurance as it is meant to cover a professional for any liability in some situations. It is also sometimes called errors and omissions insurance. This is because it is meant to cover cases in which a lawyer has made a mistake or failed to provide the service they should have or taken actions they were supposed to take.

Examples of things that might be covered under a professional liability insurance policy are times when a lawyer gave a client the wrong advice or misrepresented something to a client. Failure to act in good faith or any negligence may also be covered. It is important to note that this type of insurance does not provide coverage for criminal allegations, only civil ones. Not every action may be covered and some things might need to be specified in the policy.

This information is not intended to provide legal advice but is instead meant to let people in Florida get an understanding of the type of insurance that may provide assistance to an attorney in a malpractice case.

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