A. officers have taken out professional liability insurance, to help with potential legal fees.

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The FDIC has brought one case alleging professional liability for a failed bank.

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Kaplan says Donziger himself might have criminal or professional liability for his alleged involvement in pressuring judges and preparing a report by a supposedly independent expert for the court.

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"The lender goes through the closing documents with a fine-tooth comb and says, 'You should have noticed this, '" says Brian Baney, director of professional liability program claims at Zurich Insurance.

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Because the number of attacks have declined, piracy coverage prices have, too, said Amanda Holt, a vice president in the financial and professional liability unit at insurance brokerage Marsh in Norwich, England.

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One involves reinsurance sold by General Re for years to a professional-liability insurer in the state of Virginia, now bust and with unpaid liabilities.

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Consult a tax professional if you have questions about the implications on your tax liability.

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In any situation involving actual liability, you will still want to consult a professional forensics consultant (and a lawyer), but for more casual curiosity, you can become your own pixel sleuth.

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In addition, many of the alleged benefits of joining, say, a teachers union liability insurance, for instance can be procured from non-union professional associations (such as the Association of American Educators) at far less than the cost of union dues.

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