The most common wording in professional liability policies — inclusion of “for a fee” in the definition of professional services — can render a policy useless when your insured performs pro bono or other non-fee services.
For most policies you will ever write, your insured is the entity that is the Named Insured. However, there are a couple of exceptions, and the nature of the exception can affect how you interact with your insureds. The exception that’s weighing on my mind at the moment is D&O coverage. Even when you write […]