Professional Liability E&O Vs D&O

[Evev12]

Its important to check the CGL to see if the policy contains any professional services exclusion. If there is such an exclusion, any BI/PD related to their counseling would be excluded. When you say "counseling to at risk families" - that exclusion alone would make me particularly nervous and obviously worth reshopping coverage, even at the cost of premium to carve that back. The only other way to afford your client such coverage would be through a separate E&O policy with contingent BI/PD. Sexual abuse and molestation is another coverage consideration that should be mentioned.