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What is professional liability coverage, and is it necessary? This is a question many music professionals ask when starting their own business at home or in a studio. For many years, professional liability insurance was mainly associated with professions such as medicine and law. However, the scope has broadened in recent years to include anyone who claims to be an expert in a particular field. If the expert is paid for his or her expertise, he or she can be held responsible if things don't turn out as expected.
Professionals are expected to possess extensive technical knowledge or training and to perform services for which they are hired according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held legally responsible for any harm to ...