Professional liability coverage protects against legal liability resulting from what?

• A. Errors and omissions
• B. Bodily injury
• C. Property damage
• D. Crime

Answer: (A)

Professional liability coverage focuses on the risks that come from the professional’s own services, advice, or performance. It protects against legal liability arising when a professional makes a mistake or fails to perform a duty—an error or an omission—that results in client losses. This coverage is meant to handle claims tied to professional work, not physical harm or property damage, which fall under other lines like general liability. It also isn’t meant for criminal acts, which are handled by crime coverage. So the best fit is the protection against errors and omissions—the mistakes or failures in providing professional services.