If you perform a professional service, you’re vulnerable to lawsuits from clients who are unhappy with your work. Professional liability helps you pay the legal bills. Be ready to handle claims that you:
Caused a client physical harm. A beautician’s client could have an allergic reaction to a hair dye
Caused a client to lose money. A financial planner’s client could buy a failing stock
Caused a client indirect harm. A web host’s client could have an online shop that goes down during a storm
Every profession is different – get a personalized recommendation on the best policy for you.