Which of the following is not covered by professional liability insurance?

• A. Negligence
• B. Dishonest acts
• C. Wrongful acts
• D. Errors

Answer: (B)

Professional liability insurance is designed to cover claims that arise from unintentional mistakes made while providing professional services, such as negligence or errors in diagnosis or treatment. These policies typically cover negligence and errors (or omissions) because they reflect honest mistakes in the delivery of care. Dishonest acts, however, involve deliberate deception or fraud and are not covered by professional liability insurance, since insurance generally does not indemnify intentional wrongdoing. So, when a practitioner acts with intent to defraud or commits deliberate misconduct, the policy would not respond. For example, an unintentional misdiagnosis or treatment error could be covered, whereas fabricating records or knowingly making a false claim would not be.