It has to do with any error or omission that may occur during the operations of your business. For example if you don't end up shredding sensitive documents for some reason and someone's identy is stolen as a result this would be an error that you could be sued for.
Your need Professional Liability
Professional liability insurance is something that people who are doctors or special physicians need. You can sign up for this at professional insurance companies like State Farm.
You need a commercial general liability policy.
Yes you would need tattoo artist professional liability.
You will need professional liability insurance, this will just help ensure that you are covered. A physician's assistant is usually covered through the physician's professional liability insurance but it never hurts to have your own on top of that.
If your not administering drugs I could see no reason why a sleep lab would need professional liability. Are you concerned you might be sued if you let someone oversleep?
Professional Liability Insurance (also known as Errors and Omissions Insurance) insures businesses with the defense they need if a dissatisfied client makes a claim against it.
Professional liability insurance will protect you against lawsuits arising from your actual professional services rendered. Suppose you have a consulting business, and you are sued for providing incorrect information, that would be a professional liability. Insurance agents and accountants need a similar coverage called Errors and Omissions. Doctors and Lawyers need Malpractice... General liability pertains more to premises coverage for your place of business, to protect you against situations like a slip and fall. General liability would also cover any damages or bodily injury that your business caused while at a customer's location. It would also cover you for your products or completed operations of your business. Most general liability policies specifically exclude professional liability.
No, but veterinarians in private practice should have professional liability insurance.
It just depends on the type of business you are engaged in You should have professional liability insurance if you give professional advice or services. Professional Liability provides individuals and companies protection from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.
A contractor typically needs a Commercial General Liability Insurance Policy. If the contract includes professional services, then the contractor will likely be required to carry Professional Liability Insurance, either in addition to, or in place of a CGL policy. It really just depends on the nature of the services contracted.