What is the standard of proof needed to prevail in a professional negligence claim?

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What is the difference between a breach of professional ethics and a breach of professional liability law?
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Is professional liability insurance always necessary for a professional?
What are the costs associated with professional liability insurance?
What is the role of the professional liability insurer in a professional negligence claim?
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Are there any legal defenses available to professionals when sued for professional negligence?
Are there any advantages to carrying professional liability insurance?
Are there any limitations on damages that can be recovered in a professional negligence claim?

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