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These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm.
Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
In the example above, my client turned 60 on October 1st 2016.
That means his insurance birthday would be six months later on April 1The only catch is, if the policy commences March 31st 2017, my client will have to pay premiums from that date onwards before his policy goes into effect.
Let’s look at how backdating affects different aspects of car insurance, health insurance and life insurance.