Some persons have a liability exposure that can arise from their rendering or failure to render a professional service. If they fail to use the degree of care and skill normally expected of a person in that profession they can be held liable for injuries, property damage or financial loss which can result. For some professions, where the professional act usually involves bodily treatment, the professional liability insurance is called malpractice insurance. Falling into this category are barber, beauticians, masseurs, morticians, pharmacists, veterinarians, and all types of medical practitioners. The services of other professionals principally involve property or finances, and the professional liability insurance is called errors and omissions insurance. This includes accountants, architects, attorneys, engineers, insurance agents, travel agents and others.
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