While every small business owner should consider their risk exposure and potential need for professional liability insurance, there are some businesses and industries which are known to have a higher risk. It’s more likely that a client might sue over an error, or the government might pay closer attention to your activities.
Businesses that provide services based upon specialized skills are particularly at risk. Clients hire you based upon the assumption that you have the skills to provide those services. While all humans make mistakes, clients generally don’t appreciate it when those mistakes cost them money.