Professional liability insurance covers which risks?

• A. Bodily injury or property damage
• B. Property taxes
• C. Patent infringement
• D. Business interruption

Answer: (A)

Professional liability insurance covers claims that arise from mistakes, omissions, or negligence in the professional services you provide. When a client sues because the professional work caused harm, that harm can include bodily injury or property damage that results from the professional’s actions or advice. So, among the options, bodily injury or property damage is the risk type most aligned with what professional liability aims to protect against.

Property taxes are not an insurable risk under professional liability—they’re financial obligations to government. Patent infringement relates to intellectual property issues and would be addressed by IP coverage or a separate policy, not typical professional liability. Business interruption is a separate risk usually covered by business interruption or property insurance, not by professional liability.