What is the role of the professional liability insurer in a professional negligence claim?

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Is professional liability insurance required for any profession?
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What is the reason for the existence of professional liability law?
Are there any advantages to carrying professional liability insurance?
What type of damages can a professional be liable for in a professional negligence claim?
What is the difference between professional indemnity insurance and professional liability insurance?
Are there any statutes of limitations that apply to professional negligence claims?

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