lawyers, accountants and all kinds of providers of specialized services
obtain supplemental insurance to cover claims arising from those
specialized services, because their basic general liability insurance
policy excludes coverage. An exclusion common to many
business liability policies voids insurance for liability claims
connected to what is usually called your "Professional Services."
That term is usually very broadly defined, such that your advertising
boasts could be turned against you by some smart claims adjuster.
If you do offer specialized services of any type - not just the
everyday kind, then you have this potentially uninsured exposure,
absent a supplemental policy. If this is a possible
issue, ask you broker-agent for a copy of the exclusion and determine
to what extent it might apply to you. Supplemental insurance is