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Professional Liability Insurance Protects your business assets from Claims that may result from advice, expertise or professional services you provide. lf your business engages in these activities you could be at risk for being sued by a customer, client or other party (s) who claims they lost money and/or was harmed in someway due to a negligent act, error or omission. This insurance pays the cost of your defense and any damages awarded. There are different classes of Professional Liability and some have a specified class for themselves. For example, Technology service should be written on a Technology Professional Liability Policy.