How does a professional determine the right type of professional liability insurance coverage?

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What clauses are included in a professional liability insurance policy?
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When is a professional liable for damages resulting from professional negligence?
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Is a professional liable for damages resulting from their own acts of professional negligence?
What types of professionals are subject to professional liability law?
What should a professional do if they believe they are the subject of a professional negligence claim?
Are there any limitations on the amount of damages that can be recovered in a professional negligence claim?

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