Which type of insurance covers professional liability (like errors and omissions) for an AMS?

• A. General Liability
• B. Occurrence Made
• C. Professional Liability
• D. Claims Made

Answer: (C)

Professional liability insurance protects a professional when a client sues over mistakes or alleged negligence in the services provided. For an Air Monitoring Specialist, this means coverage if a monitoring report or interpretation is found to be incorrect and leads to financial loss for a client—the policy helps with defense costs and any settlements. General liability, by contrast, covers physical injuries or property damage, not errors in professional work. The other terms refer to how a claim is handled (when it must be reported) rather than what is insured; a professional liability policy can be written on either form, but the protection it provides is specifically for professional errors and omissions.