What rights does a professional have when being sued for professional negligence?

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Is it possible to settle a professional negligence claim out of court?
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What is the standard of care expected of professionals in a given situation?
Are there any limitations on the amount of damages that can be recovered in a professional negligence claim?
What clauses are included in a professional liability insurance policy?
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What types of professional negligence claims do professional liability laws cover?
Is professional liability insurance always necessary for a professional?
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