In general, you can expect legal defence costs to be covered by professional liability insurance if the litigation results from an insured peril, such as the ones listed above, related to professional liability insurance. Ontario residents should be aware that defence costs may or may not be included within the limit of liability on specific professional liability insurance policies. That means that the amount of insurance compensation that may actually be available for a professional liability claim is limited. It's also worth noting that punitive damages are excluded from some policies. Ensuring that your specific professional liability insurance coverage fits your unique risk exposures is essential because how policies are worded can vary significantly. If you need more time to determine if you currently have adequate coverage, the best course of action is to contact the reliable insurance brokers at Morison Insurance. We have the experience and training to assess your insurance risk exposures and recommend the best possible coverage so you can sleep easily at night knowing you have the financial protection you need. To determine if your policy includes defence costs, contact your expert Morsion Insurance to confirm.