Coverage Question Series – Part 51

No, the work must be performed for the insured firm. Your daughter received a speeding ticket and, off your firm’s clock, you take it upon yourself to assist her. After the prosecutor turns you away, you do everything in your power to dispute the ticket. Unfortunately, your daughter was speeding and is found responsible for the fine and court costs. Unhappy with the result, she files a claim against you.

Exclusion (r) excludes “any “Claim” arising out of acts, errors or omissions by an Insured after joining the Named Insured or any “Predecessor Firm,” that occur after the “Effective Date” of this Policy, if such acts, errors or omissions were not rendered as a partner, shareholder, member, associate, owner, or employee of the Named Insured or of any “Predecessor Firm.” The Named Insured is the firm or entity under which you practice. The legal work must be rendered on behalf of the firm in order to avoid this exclusion.