While the coverage form is quite carefully worded by lawyers, the application may be loosely scripted by an underwriter who is thinking about general underwriting guidelines rather than about legal niceties down the road. As a result, when the claims department wants to deny coverage because a question was not answered properly, their job is made a lot harder. In my experience as a lawyer, I've found that professionals often don't read their professional liability policies closely, and even fewer make the effort to understand them in depth. This even includes insurance agents, who ought to know better. But when the suit comes, it's not much fun if the company doesn't cover it.
Coverage is less standardized for professionals than is coverage for auto or homeowners liability.
Many insurers choose to draft their own forms. Other articles have covered these topics. We'll skip over those areas, therefore, and mention some other areas that are not as often discussed. Contract vs. tort . A professional almost always enters into a contract to provide services to a client.