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Coverage sometimes provides for the defense costs, including when legal action turns out to be groundless.

Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerated in the policy, but which may be subject to other forms of insurance.

Other forms of insurance cover employers, public and product liability.

But various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies.

Do you know anyone who has been able to save age in life insurance?

definition of backdating insurance coverage-32definition of backdating insurance coverage-32

For the most part, life insurance premiums increase as you get older.

Lawsuits would inevitably skyrocket, clogging our already over-burdened court system.

The only people who would benefit from that would be trial lawyers. Closer to home, consider this: backdating a car insurance policy is insurance fraud.

These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm.

Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.

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