Does Professional Liability Cover Negligence?
Often, E&O is intended to cover negligence claims tied to insured services, subject to the policy’s trigger and exclusions.
A professional-negligence demand may fit E&O when it concerns the services listed in the policy. The insured must still meet the claims-made trigger, notice deadline, and other coverage conditions.
Check prior knowledge, damages, consent-to-settle, defense-cost limits, and the retroactive date. Preserve client records and report a demand or circumstance as the policy requires.
