The patient bit the employee's hand.

The employee was still suffering from a previously sustained injury and had returned to work only because the employer required it. The employee sued Dr. Brook, not as an employer, but as a professional veterinarian, claiming that he was negligent in his professional duties by forcing the employee to return to work and by not providing appropriate safety gear (gloves).

Fireman's Fund provided the professional liability coverage. It refused to provide defense or coverage for Dr. Brook on the basis that the act resulted from his role as an employer, not his role as a professional veterinarian.

Click here to review the court's decision in this cat bites person situation.

Professional coverage is unique because it covers the insured's deliberate and intentional actions. This coverage is really for perceived errors in judgment. Was the action or the inaction appropriate and according to industry standards?

The Specialty section in PF&M provides analyses on 12 different professional liability exposures. However, the Property-Businessowners section analyzes veterinarian's professional liability because of the ISO Veterinarian's Professional Liability endorsement.

Click here to review the analysis of BP 08 05–Veterinarians Professional Liability.

The standard commercial and personal lines coverage forms are appropriate for most clients and situations but unique situations or unusual circumstances arise that require a non-standard approach. The Specialty section in PF&M explores 13 specialty coverages. Our coverage analysis may provide just the entry point you need for a new client.

Click here to review the analysis of Weather Insurance.

A prospect does not become a client until you can provide the needed coverage. This means that understanding a coverage is not useful unless you can find a carrier that provides it. The Insurance Marketplace should be your source to match carriers with coverage. These listings are updated regularly. This means you know the listed insurance companies, brokers, and managing general agents are actively seeking clients.

Click here to see the markets interested in writing Weather Insurance in the state of Indiana.