How does a professional protect themselves from a professional negligence claim?

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What clauses are included in a professional liability insurance policy?
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What type of professional is subject to professional liability law?
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Is a professional liable for damages resulting from professional negligence even if no actual harm occurred?
How does a professional determine the amount of liability insurance coverage needed?
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What are the elements of proof needed to establish a professional negligence claim?
What is the difference between a breach of duty and a breach of professional liability law?

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