A wrongful act is most
often described as an
actual or alleged
unintentional negligent act,
error or omission. New
Jersey professional liability
insurance policies offer
coverage to professionals
who may commit a
wrongful act. It protects
you against claims made
by your clients alleging that
you were negligent in
providing or failing to
provide your professional
Most insurance policies for
professional liability
insurance are structured on
a "claims made" basis.
This means the insurance
policy only covers claims
made during the policy
period. Error or omission
and neglect are covered,
as long as they are
committed during the policy
period and the claim is
made during the policy

Types of coverage usually
not included are for
criminal prosecution, nor
are all forms of legal
liability under civil law,
unless specified in the

Cancelling a professional
liability insurance policy
before any statute of
limitations has expired will
in effect make it as if the
insured never had
insurance coverage for any
incidents. A gap in
coverage such as this
should be avoided.
Occurrence Type Policy
Covers events that occur
during the policy period,
regardless of when a
claim is filed.
Claims Made Type Policy
Covers a claim only if the
incident and the filing of
the claim occur while the
policy is in force and
during the retroactive
period or tail period of
coverage offered by the
specific policy.
Insurance premium
amounts will depend on a
number of factors,
including the level of
professional responsibility,
the location of your New
Jersey small business and
the coverage limits of
insurance liability that are
New Jersey
Professional Liability
Insurance Policy Types
Click on the link below to
fill out a New Jersey
Professional Liability
Insurance quote form.
New Jersey Professional
Liability Insurance Services
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W.R. McClure Insurance Services, Inc.
© 2011, All Rights Reserved
Since 1986!
W.R. McClure
Insurance Services
W.R. McClure
Insurance Services
(973) 584-5850
(973) 584-3440 fax

230 Route 206
Building 1, Suite 8
Flanders, NJ 07836