How does professional liability law affect a professional’s legal obligations?

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What is the legal definition of a "professional" in a given situation?
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Is a professional liable for damages resulting from professional negligence even if no actual harm occurred?
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What is the role of the professional liability insurer in a professional negligence claim?
How does a professional determine the amount of professional liability insurance coverage needed?
What clauses are included in a professional liability insurance policy?
How does professional liability law protect a professional from potential claims?
Are there any special considerations for professionals when facing a professional negligence claim?
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