Are there any exceptions to professional liability insurance?
Yes, there are exceptions to professional liability insurance in California. Generally, professional liability insurance covers any accidental errors, mistakes, or negligence on the part of the professional conducting business in the state. However, there are some exceptions to this coverage. First, any act that is illegal or fraudulent is excluded from professional liability insurance coverage. This could include intentional acts of negligence. Also, any acts that occurred before the policy was purchased, or after the policy expired, are not covered by the insurance. Secondly, any acts committed outside of the scope of the insured professional’s duties are not covered. So, if a professional was hired to perform one specific job and they failed to do so, they would not be covered by their professional liability insurance. Finally, any damages that are a result of an act of nature are not covered. This could include natural disasters, such as floods or earthquakes, that cause damage directly to the insured professional. In summary, professional liability insurance in California does provide protection for any accidental errors, mistakes, or negligence on the part of the professional, however, there are some exceptions that are not covered by the insurance.
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