Professional liability coverage is a more specialized coverage than Commercial General Liability (CGL) and not understood by many claim handlers and attorneys. It is a coverage meant to complement CGL coverage and not replace it. Christopher Ferragamo, a Director at Jackson & Campbell in the Insurance Coverage Practice Group, has published a 50 state Professional Liability Insurance Coverage Review that is helpful in determining whether there may be coverage under CGL or Professional Liability.
This blog is intended to provide comment, insight, and advice on Property and Casualty Insurance coverage and claims practices. Courts throughout the country continually interpret insurance coverage when policyholders and insurers can not agree. Insurers continually change the wording in their policies, add new forms, or discontinue writing some. Policyholders continually buy insurance policies for protection, peace of mind, to comply with a contract, or because it is required by law.
Whether you are a policyholder, insurance agent, insurance company employee, attorney, insurance regulator, public adjuster, independent adjuster, insurance is important in your life. I hope this blog will give you some insight and understanding into the insurance coverage and claims process.