Design Professional Policy Comparison Worksheet
Written and reviewed by Michael LaBarbera, licensed insurance agent
Policy offers can differ in insured services, defense treatment, prior acts and exclusions even when their headline limits match. Enter the actual terms below to identify missing information and differences for an agent’s review.
| Feature | Offer A | Offer B |
|---|---|---|
| Policy / insurer | ||
| Professional services | ||
| Per-claim limit | ||
| Aggregate limit | ||
| Defense inside/outside limits | ||
| Separate defense cap | ||
| Deductible / retention | ||
| Defense cost-sharing | ||
| Retroactive date | ||
| Reporting requirements | ||
| Contractual liability exclusions | ||
| Project exclusions | ||
| Extended reporting options |
Frequently asked questions
What does defense inside limits mean?
Defense expenses can reduce the amount of the policy limit remaining for damages.
Does defense outside limits mean unlimited defense?
No. Outside-limit defense can have separate caps, conditions or eligibility requirements.
How should a firm choose its professional liability limit?
Start with contract requirements and project exposure, then compare available policy limits and how defense expenses affect them.
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