Professionals, including lawyers, medical providers, brokers, agents, engineers and architects are insured under professional malpractice policies or E & O policies. Those policies generally provide protection against a professional’s error, omission or negligence during the performance of their professional’s services. Policies that provide coverage for professionals often vary from insurer to insurer and contain manuscript terms and unique clauses not found in other liability policies. As the nature of these coverages vary and often the courts have not addressed in any depth the policy terms of E & O policies, our insurance attorneys’ depth of experience in analyzing a variety of insurance coverages and understanding of the fundamental elements of insurance at the primary, excess and umbrella levels provide an essential foundation for our coverage analysis and the litigation representation of clients in this area.