What is the role of insurance companies in professional liability law?

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When is a professional held liable for damages resulting from a breach of professional liability law?
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What is the burden of proof in a professional negligence claim?
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Are there any special considerations for professionals when facing a professional negligence claim?
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What is the difference between an act of malpractice and a breach of professional liability law?
Is a professional liable for damages resulting from professional negligence even if no actual harm occurred?
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