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- Notary public services.
- Title agent services.
- Acting as a trustee or executor of an estate.
- Acting as an officer, director, or member of a legal professional association.
Broader coverage can be added depending on the lawyer's circumstances and the carrier's interest and capacity.
What is not covered?
The scope of coverage is relatively broad; however, it is limited. Some activities, errors, and omissions may not be covered or may be beyond the insurer's interest. These non-covered areas are referred to as "exclusions" and are delineated in a separate section of the policy.
Examples of common exclusions include:
- Fraudulent acts.
- Criminal acts.
- Malicious acts.
- Dishonest acts.
- Services rendered to a business enterprise owned by the insured.
- Services rendered as a fiduciary under the ERISA Act of 1974.
- Bodily injury or property damage.
- Claims involving an insured in the same law firm.
- Claims in which the insured failed to alert the insurer.
This article was provided by Insurance Consulting Services, LLC, a leading provider of professional liability insurance for lawyers.
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