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Doctors, lawyers, accountants and all kinds of providers of specialized services obtain supplemental insurance to cover claims arising from those specialized services, because their basic general liability insurance policy excludes coverage. An exclusion common to many business liability policies voids insurance for liability claims connected to what is usually called your "Professional Services." That term is usually very broadly defined, such that your advertising boasts could be turned against you by some smart claims adjuster. If you do offer specialized services of any type - not just the everyday kind, then you have this potentially uninsured exposure, absent a supplemental policy. If this is a possible issue, ask you broker-agent for a copy of the exclusion and determine to what extent it might apply to you. Supplemental insurance is usually available. |