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Professional Liability Insurance: Legal Definitions

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  • “Legal liability for damages due to injuries to other persons, damage to their property, or other damage or loss to such persons (including the expenses of litigation and settlement) resulting from or arising out of any tortuous act, error, or omission of the covered individual (whether common law, statutory, or constitutional) while in the performance of such individual’s official duties as a qualified (eligible) employee; and

  • The cost of legal representation for the covered individual in connection with any administrative or judicial proceeding (including any investigations or disciplinary proceeding) relating to any act, error or omission of the covered individual while in the performance of such individual’s official duties as a qualified (eligible) employee, and other legal costs and fees relating to any such administrative or judicial proceeding.”



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