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Professionals Insuring Professionals

This is a question that comes up with some frequency.  What is a covered act under a professional liability insurance policy?  Professional Liability Insurance policies generally provide covered for those acts that are expected to be performed by that profession.  This does not mean that there is blanket insurance coverage for all acts performed or done by a professional.  Also coverage will vary from insurance carrier to insurance carrier as no two malpractice insurance policies are alike.   

Careful attention needs to be paid to what is defined as a professional service under the malpractice policy and what are the exclusions on the policy

A case in policy is continental Casualty Co v Kool Radiators Inc. As reported in Business Insurance the CNA Accountant Malpractice policy did not provide coverage for the acts performed by the accountant.

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