THE DETAILS THAT MATTER
Review the advice and services behind the work.
Describe design responsibilities, advice, project management and subcontracted professional services. The policy’s definition of insured services matters.
Review contract obligations, defense costs, limits and exclusions. General liability does not automatically cover allegations of professional negligence.
Discuss claims-made reporting requirements, retroactive dates and continuity before changing policies or allowing coverage to lapse.
Read the coverage boundaries.
Professional liability is not a workmanship warranty or a substitute for general liability. Contract guarantees and services outside the insured definition may be excluded.
A common question
Coverage reference: Insurance Information Institute: Professional Liability Overview. Reviewed October 10, 2026. Confirm current requirements and the actual policy terms.
Jesse Denno · CA insurance license #4503208 · Updated October 10, 2026