Typically, professional indemnity policies will exclude things that should have more specific insurance, such as: Public Liability – excludes Bodily injury/property damage, except where caused by a breach of professional duty Employer’s Liability Product Liability Property Vehicles There are also ‘boiler plate’ exclusions: Contractual liability – this is liability assumed under any express warranty, agreement, guarantee or the like unless such liability would have attached anyway. Insolvency/bankruptcy of insured Circumstances known at inception Fines and penalties Claims by financially associated parties – some insurers will cover these claims if they emanate from a third party Radioactive contamination, etc. War Seepage and pollution – many insurers maintain this exclusion even where there is a clear and insurable environmental exposure Date recognition