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In an increasingly litigious society, it is important to educate insureds about their potential professional liability exposure. A professional may be sued by a client because of real or perceived problems with the professional’s work or advice. Some professionals mistakenly think that their traditional CGL policy will cover their professional exposures. Unfortunately, without the proper MPL coverage they may be left exposed for their errors, omissions, contract disputes, and other risks as well as costs to defend them from an accusation that may be real or without merit. The economic injury claims they can sustain may be excluded or very limited under their CGL policies. As such, nontraditional professionals must seek appropriate protection under MPL policies.

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