Professionals who have expertise in a specific area are required to have specific insurance coverage because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice or misrepresentation. Â These professions include Physicians, Nurses, Accountants, Lawyers and Insurance Agents. Â Additionally, in the Virginia, Maryland and DC area there is a large population of Technology professionals that are required by their contracts to carry Professional Liability to protect them from errors and omissions made in the course of their work.