Insurance firms have a lot of content to deal with, both present and past. There’s things to consider like ancient archives, current backups and all the live information that comes pouring into the corporate infrastructure on a daily basis. Yet simply allowing these records to rotate through the data management lifecycle isn’t the best way to make use of them. For that, firms need business intelligence solutions.

In the business intelligence landscape, there are ways to harvest insights from past content and apply them to current situations. There are also methods for projecting future outcomes based on past events. Both of these circumstances require that general professional liability firms are making use of the best storage infrastructure and positive enterprise storage solutions.

Building business

As Insurance Tech Online stated, “understanding the value of these resources is a good first step toward ensuring that companies are making the most of their inherent and in-house resources. There are much better ways to run current operations than what most large organizations in the general professional liability scene are implementing at present.”

Specifically, the best business intelligence tools are able to help companies:

•Improve response time
•Reduce financial liabilities
•Boost retention rates

Such opportunities are appealing to insurers, but the ways to achieve these outcomes aren’t always intuitive. These results don’t come up with all the opportunities that businesses have to offer, thereby stunting the growth of organizations.

It’s important to be open to everything that companies can do with their industry options. Lack of effective use is a common problem among insurance providers, as these corporations are very fixated on final outcomes rather than long-term results.

These kinds of ideas can help increase the effectiveness of short-term productivity, but they’re not always useful in situations where firms want to be successful in the following years or decade. While business intelligence can help companies save money, this isn’t the only outcome that corporations can aim for with their corporate insight resources. It’s much better to think about why cost savings occur and how to better enhance these returns in the future.

Improving responsiveness

Producing a positive business intelligence plan requires organizations to think about these long-term outcomes, rather than just concerning themselves with what’s right around the corner. To do that, firms should consider the variety of services and solutions currently impacting their operations, as big data can have a strong impact on all of these solutions.

Information Management Online stated that “there are considerable concerns about how companies can manage their data in the age of the Internet of Things. People are able to link to corporate information services from anywhere and at any time, resulting in stronger flows of content in enterprise servers. While this is beneficial to creating business intelligence results, it can also easily overwhelm general professional liability service providers.”

Leveraging more content is easy when the volume of information available to a firm is always on the rise. In some instances, there’s a four-fold resource for enhancing the level of insight and availability of these services, as the source noted. Such insight depth makes it easy to pick out content necessary for improving responsiveness and business intelligence, thereby ensuring that there’s required content for short-term and long-term projections alike.

The more widespread these insights become, the easier it is for corporations to hone in on the information that is most specific to their needs. “Right now”, Information Management stated, “there’s a growing need for analytics, as the big data inundation has yet to cease. With all that content continuing to be born and transferred on a regular basis, it’s necessary to have tools in place that can handle this rolling information deluge in a way that’s easy to commute to business intelligence computing.”


The more aware of cyber threats companies become, the easier it is for them to take steps to protect themselves. This trend is helping more organizations increase their general professional liability protection in terms of online crimes and data breaches. However, there’s a whole wealth of risks that companies need to be prepared for, and these issues can change depending on the type of industry in which a company practices.

Awareness remains one of the best tools in the battle against these attacks. As a recent Ponemon study showed, simply having an idea of what to defend against can be a major step in the right direction.

Understanding dilemmas

The Ponemon report stated that increased professional liability services in the enterprise environment has a correlation with how effective corporate approach to data breaches is. In order to achieve this kind of outcome though, it’s best for businesses to first be aware of their prime suspects.

Unfortunately for many firms, the biggest offenders are actually right within their midst. Insider attacks are just as common as external threats, making it necessary to increase security and oversight over every facet of enterprise operations. What’s more, even if a firm is always on the lookout for an attack, they could have been infected before these protocols were put in place. That means ongoing probes or Trojans could wreak havoc in a company that feels it’s adequately protected.

Taking steps

One of the things that experts told the Ponemon researchers is that they feel there needs to be more attention and investment in cyber safety and professional liability services. Right now, there’s about $7 million being invested annually, but that figure should be closer to $14 million. Considering how costly an attack can be for a firm, it makes sense to spend more stopping these situations from taking place.

It’s not just about spending more money though, as Mondaq explained. Companies need to take their understanding of common threats and potential dangers and apply it to a working plan to stop these threats.

First of all, companies need to be certain that their general professional liability solutions are in line with how companies actually want their businesses to function. Not all companies use the same tools, be they invested in cloud computing, virtualization, server migration, data consolidation or mobile solutions. Custom enterprise infrastructure requires a personalized protection system that matches the way firms will interact with content.

Next, it’s important to remember that not all attacks will originate within the organization, but those that do require additional oversight. General professional liability may not cover breaches that originate on employee-owned smartphones or laptops. Whether these attacks are intentional or not doesn’t matter. What’s more, if such a device is lost, it could provide an easy access point for a malicious third party. Even in these situations, there need to be provisions in place to protect corporate interests.

Most of all, when an attack happens, it’s important to act as quickly as possible. Both private businesses and the professional liability providers that serve them should realize that timeliness is the best defense if an issue should arise.

Seeing the need

It’s not just about safeguarding internal content, as JD Supra detailed. There has to be accountability and responsibility toward employees and consumers as well. After all, while continuity may the biggest priority for companies, it’s the people on payroll or the shoppers in the store whose personally identifiable data may be at risk. Taking that into account, it’s even more important for organizations to acquire liability protection and uphold security operations at all times.



It’s difficult to determine at first glance if a claims management issue is a legitimate case or a potential fraud. However, there are emerging technologies and existing computing methods that could help general professional liability services make these kinds of determinations.

The name of the game, these days, in the professional liability landscape is predictive analytics. As Property Casualty 360 stated, more than 80 percent of insurers in the United States currently have some form of this technology in play. What’s more, they use it not just for market forecasts and policy pricing. Analytics is becoming a powerful tool in the fight against fraudulent claims.

Creating confidence

There’s no room for uncertainty in the claims management realm, the source explained. There needs to be a standardized, administrative process that’s backed up by actuarial evidence and proven success. This can be achieved by reviewing the inventory of past cases and finding the trends that exist between legitimate and fraudulent filings.

Data mining in this manner allows organizations to see the cracks in cases that allow these erroneous issues to unravel. Advanced statistics and multi-presence analytical techniques make it easier to find relationships between cases and create commonality that can be applied rapidly to any claims application.

Moving forward

With these kinds of models and formatting ideas in mind, many general professional liability firms are trying to move forward with their plans to reduce fraud and increase the effectiveness of predictive analytics. Every year, Insurance Networking reported, there’s about $80 billion lost in America due to fraudulent claims. If companies can more effectively implement analytics and create meaningful, actionable plans with this data, they could save companies a significant amount of money.

“Lots of carriers are starting to talk about what the industry can do about underwriting fraud,” Claims Management expert, Tim Wolfe, told the source.

As technology continues to improve, so too do the ways in which organizations are able to hone in on potentially fraudulent claims. Faster processing, deeper big data delves and heightened accountability standards have helped companies motivate their IT staff and improve the quality of their agents’ responses to issues that seem to fit fraud trends.

Best of all, predictive analytics is ideal for generating the kinds of metrics that can stand alone in the midst of a chaotic data-driven world. As the progression of tech and tools continues, so too must general professional liability services also strive to keep up with these factors. That way, there’s no way for fraudsters to get the better of predictive analytics.


There’s so much information in the corporate landscape these days that businesses might easily become overwhelmed by it all. Considering the number of endpoints alone that firms have to deal with, it’s hard to sort out what’s necessary for compliance, what can be deleted, which systems require more constant backups and where these mounting database volumes are to be stored.

In the end, the process of handling content on its own may rob general professional liability organizations of the real value that these files have to offer. That’s because without proper handling, management and oversight, organizations are totally missing out on business intelligence opportunities.

The scale of this failing can be huge, depending on the kinds of insights that may be lying latent in enterprise operations. Future forecasting, fraud detection and employee engagement are just some of the opportunities that business intelligence could lend to claims management.

Overcoming obstacles

Apart from the sheer size and scale of incoming information, professional liability services also need to contend with the fact that analytics options aren’t always inherently easy. According to InformationWeek, only about 30 percent of organizations in general are currently making use of these tools. In fact, that’s a 12 percent drop from last year’s figures.

The problem with making effective information management systems is that companies are trying to diversify at the same time that they’re realizing their operations are getting out of hand. The greater the sprawl of these solutions, no matter how much more effective they may make claims management, the more overwhelmed organizations begin to feel. In the end, the efficiency of enterprise systems could be occluded by the pressure to produce business intelligence in the first place, discouraging corporations from continuing with data processing or proper information control at all.

As Deloitte recently commented, because of these factors, general professional liability services are often seen as overflowing with data. At the same time, they’re also viewed as lacking in foresight and knowledge in general. While corporations should be focusing on expanding their business intelligence and producing more streamlined data fluency, they’re instead becoming mired in system processing and general content crunching.

Producing positivity

In the claims management landscape, lack of oversight and failure to properly implement technology can create chaos in operations. That’s why it’s so important for business intelligence to become a core concern for professional liability services, as it offers organizations the opportunity to increase their accuracy and effectiveness.

To do that, Insurance News Net stated, companies must first consider the totality of their operations. There needs to be a total shift in tactics, a new focus on intelligence gathering and a bigger push for predictive analytics that help personnel anticipate claims concerns rather than constantly reacting to them.

“Analytics is changing the way we do business and will continue to stay at the center for years,” Alberto Adorini of Pay Leven told the source. “The challenge that many will have is that the bigger you are, the harder it is going to be to get what you need out of it.”

Responding to these challenges requires a fixation on business intelligence. With this solution on-board and prominently driving operations, it’s easy for firms to take a proactive stance toward their data and their claims management. This also assists with creating a stronger data control landscape, which can be beneficial to compliance and operational transparency. By shifting internal ideas to look at content as a commodity rather than a liability, providers are able to enhance their capabilities, both in terms of business intelligence and file fluency.


There is a mounting number of dangers in the cyber landscape with which organizations must cope. Healthcare firms, IT organizations and retailers alike all must negotiate hacks, external server errors, data downtime and poor integration issues that could result in major errors.

When these issues occur, it’s possible for general professional liability services to assist with protecting corporate interests. Everything from managing public relations and notifying federal authorities, to running cleanup and creating new, better security protocols takes time and money. Not to mention the legal ramifications, which could cost companies millions of dollars in government and private lawsuits.

Among all these reasons to consider professional general liability coverage, there are three that make the most sense and bear the greatest weight in the argument. Consider these points and think about how your internal operations could be at risk without this type of insurance plan:

Mobile technology

Organizations want to keep expanding, despite the threats that circle their data resources. While the cloud is able to give corporations more reach, what they really want these days are the hands that grab for more information. Specifically, they want mobile solutions, but they may not have the IT knowledge to get it safely.

Property Casualty 360 recognized mobile is one of the “Big Five” pieces of technology currently having the biggest impact on modern businesses. This opportunity is also a potential weakness, the source warned, as it allows for more connectivity and generates a higher rate of risk for businesses to get hacked.

“I think businesses continue to not understand the full risk of cyber security issues. It’s something of a shifting understanding,” said security expert Catherine Mulligan.

Not only does launching into mobile technology potentially pose a risk to companies, so too does failing to protect this piece of infrastructure. Retaining professional liability coverage for portability tools and applications is vital to continuity.

Coverage concerns

The same lack of comprehension Mulligan mentioned may also be contributing to why some businesses think they’re protected when they really aren’t. That’s because there’s more than one kind of general professional liability coverage for data breaches, but not all companies automatically leap for both.

The National Law Review explained that there are two kinds of coverage under the general data breach insurance umbrella. These include:

•First-party coverage, which covers procedural expenses like client notification and retaining      consumer oversight services
•Third-party coverage, which handles financial liabilities for civil and other cases

It’s clear that just one kind of service won’t do without the other, and organizations that choose to only obtain one could still be in for a major money issue. As the source noted, the way that general professional liability services are acquired and applied to corporate operations is critical to the success of these tools. Without the proper implementation, the fines, fees and processing requirements of a data breach could cripple even larger corporations.

Data theft

Especially in the healthcare field, the loss of personal information can be particularly harmful and expensive. HIPAA laws and electronic records management draw a dichotomy of IT solutions, wherein organizations want to keep their files under wraps, yet they’re also forced to launch ERM systems that put this data into sometimes questionable database situations. Insurance News Net added that on top of all that, there’s also the issue that hackers are getting increasingly interested in these smaller, weaker targets.

Cloud strategy expert Brian Doyle told the source that about half of all business owners in this size segment think they’ll be attacked in the next year. Many of these firms have only basic security solutions, making them easy to breach and their files simple to steal. Without general professional liability services covering cyber threats, these smaller organizations run the risk of going out of business.


There’s a lot of risk these days to be had in the business world. Whether it’s competing against other corporations with more clients, advertising aggressively online or leaping into new technology for a better edge, there’s always a chance for a big payout or a steep decline.

One of the newest tools in the professional liability insurance landscape presents new risks all on its own. The presence of cloud computing in this industry is on the rise, and with that comes entirely unique sets of possible problems and promotions. Balancing the two elements takes finesse, but do insurers have the skill and time to make the case?

Overcoming obstacles

As Canadian Underwriter stated, these businesses aren’t just able to handle the challenge, they’re actually accelerating their implementations. The source pointed to a study earlier this year that showed mobile solutions were taking off in about 20 percent of general professional liability environments. What’s more, C-level executives stated that they feel positive about making this technology a priority.

Much of this momentum is due to the presence mobile and cloud options add to the industry, the source noted. With more people bringing their own smartphones and tablets to work, to the doctor, on the go and to corporate meetings, there’s greater opportunities to make meaningful connections with employees and consumers alike through these channels. That way, firms can improve their visibility and encourage a more positive, progressive idea about their organizations.

Initiating instances

This kind of convenience and presence is also driving public applications and professional liability services to the cloud. The St. Louis Post-Dispatch reported that the federal government’s healthcare portal will be taking up the cloud banner, though there are still some communications issues to work out.

The source stated that the website will move to this environment in order to better serve both new and returning customers. By using this kind of infrastructure, it will be much easier for users to navigate the site, gain access to services and manage their accounts. What’s more, it will help reduce operating costs and data management expenses for the U.S. Centers for Medicare and Medicaid Service.

With more affordable healthcare and a rising variety of healthcare professional liability services, it takes a lot of processing time to keep redundancy and errors out of the picture. The cloud can help insurers manage these tasks by taking much of the process out of the business and hosting it remotely, thereby making it easier to view problems, resolve issues and carry out case management.

Creating better outcomes

This process hasn’t come without its caveats though, as USA Today wrote. While the healthcare industry struggles to overcome its operational flaws, it’s also trying to start making more progress into the cloud. This has resulted in a variety of problems, including lost documents, poor performance and insufficient information to care for patients.

Yet the presence of the cloud itself has helped create more efficiency and fluidity in these environments. By improving the range of services, variety of tools and availability of data to clinicians, there’s been a vast improvement in how well healthcare professional liability can be implemented.

At the same time, there’s been a surge in the number of developers and providers for cloud-driven insurance provisions. This helps healthcare workers and general professional liability services alike in increasing quality of care. Through cloud and technology innovations, the industry as a whole stands to gain a considerable amount of ground on its image and performance capabilities.


In the world of claims management, it can be difficult to tell the difference between a legitimate issue and an attempt to defraud a general professional liability firm. When there’s too many illegitimate cases being filed against a firm, it can cause significant issues in terms of finances and policy pricing.

With that in mind, it’s important that professional liability organizations find ways to detect which claims are which. In the grand scheme of things, big data and the ongoing influx of filings can seem daunting, but they also offer a great opportunity for companies to set their operations apart. For that, predictive analytics is a key factor.

Monitoring and management

In order to differentiate between the real and fake, claims management should learn to see the signs of a problem filing. To gain that kind of insight, organizations must first put solutions in place that are able to monitor and collect significant metrics on how, when, why and by whom claims are issued.

This venture is also strengthened by the fact that general professional liability firms have seen the value of sharing content with one another, as Insurance Tech stated. There’s a limited amount of information that can be gained just by studying the facts isolated within a single corporation. Instead, it makes more sense for companies to learn to work with one another and generate more over-arching insights that show broad trends among fraudulent filings.

“High-level collaboration ranks among the most effective tools for combating fraud,” said Dennis Jay of the Coalition Against Insurance Fraud.

This sentiment has been the foundation of a few growing organizations dedicated to providing, sharing and disseminating important updates to liability firms- regarding what they should be looking for in the fraud landscape. These groups exist in multiple nations, making it easier for firms to gain a level of insight never before possible. It’s also easier in these instances to generate strong analytics regarding where and when fraud is likely to crop up in the claims management landscape.

Government organizations are also stepping in to try and help the facilitation and sharing of this content. Insurance Tech stated that combining forces allows firms to go well beyond their own operations and create better plans for detecting and eliminating these threats to corporate continuity. This helps regulate prices, stop crime and provides more confidence to practicing professionals.

By the numbers

Considering the rate of fraud seen by general professional liability firms, it makes sense that more of them would be willing to work together in order to stop the overall problems and systematic failings that can be caused by fraud. Predictive analytics, when properly outfitted with the right metrics, is able to help companies detect whenever something is wrong with a filing. This allows for faster response time and better handling of these cases, thereby reducing the amount of money organizations might otherwise lose in these instances.

According to CBR Online, many companies are working on setting up predictive analytics systems to complement the insights they’re gaining from information-sharing groups. The source looked at research from SAS and found that over 80 percent are using automated services to help them detect red flags with incoming filings, while about half have analytics tools working on claims management systems to improve insights.

Yet there’s still been about a four percent rise in overall fraud between this year and last, indicating that these solutions aren’t perfect. There needs to be more research and data collected on what best indicates when a case isn’t quite right, as well as more detail on how organized rings generate these filings.


There are plenty of threats to business operations from outside an organization, but there are similarly risky issues associated with people within corporate operations. Everyone from general employees to trained experts, shareholders and business investors can create concerns that escalate claims to management levels.

Taking precautions

Understanding these risks can help businesses understand when and how to acquire general professional liability services. As Business Insurance Online stated, there have been rising issues about how to handle these threats, as there’s a major line between compliance and concerns regarding how well matters are managed.

“The underlying causes can be anything that caused harm to the company such as breach of fiduciary duty or a conflict of interest on the part of one of the directors,” said Jacqueline Urban of Aon Risk Solutions. “Excessive compensation has been an issue in the past, but the big ones now are the Foreign Corrupt Practices Act and cyber breach.”

Unfortunately, the line has not been drawn between when internal issues are really the fault of the corporation, or if negligence can be claimed in issues where security falls into question, or even more in instances where operating standards may not be in line with best practice standards. As the source noted, data breach issues aren’t handled any differently than any other causes of general professional liability cases. That means that firms without proper security protocols or automated malware solutions could find themselves facing even more fines and settlements if their shareholders choose to press further claims following these incidents.

As Business Insurance pointed out, there can be more damage than just what they face in court. The public perception of an organization is largely based on its performance in its specific industry, as well as in the realm of handling public relations issues. A lawsuit can detract from a business financially, as well as in terms of reputation, causing long-term economic distress beyond just the payouts to which a corporation agrees.

Planning ahead

With that in mind, businesses should be careful how they choose to share data with their investors. Following a data breach, claims issue, legal matter or other issue resulting in corporate entanglement, Business Insurance recommended taking careful steps to release necessary content to shareholders. These individuals should be among the first to know of an issue, and these notifications need to include steps by which the organization is rectifying the situation.

This is particularly important in situations where policies and regulations are particularly strict. The New York Law Journal reported that legal teams themselves should be aware that they can fall victim to general professional liability cases as well. In these instances, keeping up with responsiveness and planning a method of handling issues is just as important as in other lines of business.

The difference is, certain industries do have different reporting guidelines, be they to shareholders, consumers or the federal government. That means taking multiple instances to review operations and ensure compliance, as well as verifying that security standards are up to par. This will help generate better outcomes in general professional liability cases. As the source noted, such cases can wind up having a huge impact on the financial well being of organizations, as well as their investors, employees and the people they serve.

That’s not just because of the negative image it can project of the corporation, deterring business even after negative situations have been resolved. It’s because general professional liability services may need to increase in cost in order to handle payouts and the like. It’s therefore important to all organizations that they take steps to protect themselves by acquiring liability tools, as well as paying attention to the kinds of circumstances in the business environment that could lead to these situations to occurring.


There are some fields of practice that are harder to monitor, administer and manage than others, making medical professional liability coverage more important than ever. Some of these fields include:

•Long term care
•Mental health care
•Elder care
•Chronic care

These cases are harder to handle, the patients more difficult to care for, and complications more likely to occur than with other patient populations. That also makes accidents and incidents an implied work hazard for practitioners. It would be almost unwise to proceed in such an environment without medical professional liability coverage.

This has been shown by a few recent court cases as well. Taking care to be aware of and avoid these issues is the best for companies that want to eliminate as much concern about quality of care as possible.

Identifying concerns

There’s always a risk when treating people who are feeble or frail either physically or mentally. A recent case in Colorado Springs, Colorado shed light on this issue, as Out There Colorado reported.

The incident in question involved a young woman suffering from a variety of serious mental health issues who has been transported from her home to a hospital. The issue first responders and clinicians faced was that her condition was declining at home, yet removing her from that location made her even worse.

While the woman in question was eventually treated with adequate attention, the case prompted the region to invest in a more diverse, liability-free approach to mental health care. Now varied professionals respond on these calls, making it easier for a good assessment to be made of each patient before he or she is moved. Learning from high-liability situations can help companies dodge damaging situations while still providing the right levels of service.

Isolating issues

While patient factors can be a considerable concern, there’s also the matter of internal affairs to consider in promoting positive general professional liability oversight. The Legal Intelligencer detailed that there’s an ongoing case regarding internal hospital professional liability issues that could trouble more than just one firm.

The source detailed that bad acts on the part of employees can make for poor working conditions. This in turn can impact both personnel on an internal level, as well as how they engage with patients. Keeping track of how operations and human resources are progressing can help organizations identify problems and avoid them evolving into greater concerns or general professional liability concerns.


Imagine a business environment where people know exactly what kind of procedures are needed, what medications to prescribe, how to complete a project or just the kind of solution a client needs. These scenarios aren’t as far-fetched as some corporate operators might believe. The only thing standing between businesses and their best possible levels of success are the communication and collaboration tools they use.

One of the most helpful solutions in reaching optimal corporate goals is video communication. This service provides a huge range of potentiality for companies that properly implement it, including:

•Greater transparency
•Heightened collaboration
•Message clarity
•Unity among teams
•Stronger understanding of new material
•Superior relationship management

What business wouldn’t want to take advantage of all of these positive elements? By adding video to the enterprise environment, companies can reduce confusion and generate better relationships among employee and consumer audiences. That way, it’s much easier for personnel at every level to avoid general professional liability problems.

Spreading the message

A big hurdle for every organization to overcome is that of spreading a clear, consistent and timely message. Video communication assists with this endeavor greatly, as Insurance Business Online stated, because it allows for simultaneous delivery of information. It also can be housed indefinitely in online servers or local platforms, thereby making these recordings reusable for incoming employees to learn from- or current personnel to review.

In a general professional liability landscape, it’s important that all employees are well-versed in compliance guidelines, confidentiality demands, security requirements and other issues associated with compliance in their various positions. Video for business delivers this information in a personal, face-to-face capacity without having to constantly hold more meetings. That in turn saves a lot of time and money on delivery, dispersal and regularity of insights.

Gaining attention

The source added that video for business creates more of an impression on viewers than other kinds of content. It’s also less likely to be ignored or discarded, too.

Insurance Business Online pointed out that it’s easy for an employee to accidentally delete an essential email. It’s probably about as easy as only skimming vital text documents or stopping short of a full reading on new infographics.

By delivering training, coaching, updates and rollouts in a video capacity, employees are instantly more engaged and interested in the content. What’s more, it’s easy for leaders to detect issues in viewership, so if someone doesn’t complete a recording, it’s far simpler to find that issue than to try and ascertain if personnel read an email all the way through.

Sharing is caring

Another critical aspect of video communication in the enterprise professional liability landscape is that it offers one thing that email, images and memos never can – an emotional connection. Whether working in a hospital, retail store, corporate office or logistics location, the ability to forge a real relationship with employees is important. It has an impact on how staff members treat customers and patients. That in turn has a major influence on the likelihood of consumer retention, as well as the chance of a general professional liability suit.

Med City News stated that video for business can get people laughing, draw them in to the content and make messages much more memorable. This can help with a huge array of training, teaching, compliance and collaboration demands, thereby increasing both loyalty and flexibility in the corporate landscape.

The source also added that even incredibly complex or intimidating tasks can be taught in an engaging and memorable way through video for business. Such an approach makes critical procedural data far more mentally accessible to people when they need it most. The end result is heightened compliance, better relationships and a stronger likelihood of avoiding general professional liability situations.