Elevate Your Travel Experience with the Cessna Citation M2

For discerning travelers seeking to merge exceptional performance with bespoke luxury, the Cessna Citation M2 emerges as an unparalleled choice in the light jet category. This aircraft not only represents the zenith of personal aviation but also serves as a testament to Textron Aviation’s commitment to excellence and innovation.

The Citation M2 is adeptly designed for efficiency and agility, enabling access to shorter runways and more remote airports that larger jets cannot reach. This capability allows passengers to embark and disembark closer to their ultimate destinations, providing not only convenience but a significant saving of time—a commodity of utmost value to the sophisticated traveler.

Inside, the M2’s cabin speaks volumes of its dedication to luxury. Tailored for comfort and aesthetics, it can accommodate up to seven passengers, ensuring that each individual has ample personal space. The interior is a harmonious blend of technology and refined design elements, featuring high-quality leather seats, elegant wood accents, and advanced cabin management systems that allow passengers to control their environment with ease, all contributing to a serene travel environment.

For those considering integrating the Citation M2 into their lifestyle, the market currently presents a unique opportunity as several models are available for sale. Owning a Citation M2 means more than just possessing an aircraft; it is about granting oneself the freedom to explore the skies with elegance and ease. This jet not only stands out for its lower operational costs and reduced fuel consumption but also holds its value due to its popularity and desirability in the private aviation market.

The Citation M2 is particularly appealing to both seasoned aircraft owners and first-time buyers due to its uncomplicated operation and maintenance. It represents an ideal balance between performance and practicality, making it a wise choice for anyone looking to invest in a private jet that promises both a luxurious and a pragmatic approach to travel.

In the domain of private aviation, where luxury and performance intersect seamlessly, the Cessna Citation M2 reigns as a symbol of aerial sophistication. Now available for purchase, this jet invites you to redefine your travel experiences and soar beyond the ordinary.

read more

Ship a Car from New Jersey to Arizona at affordable price

When it comes to transporting a car from the bustling state of New Jersey to the sun-soaked landscapes of Arizona, finding a reliable and efficient car shipping service is paramount. Fortunately, there are various options available to ensure a seamless and stress-free transportation process.

One popular choice is the door-to-door car Shipping service, providing the ultimate convenience for individuals looking to have their vehicles picked up and delivered right at their doorstep. This service eliminates the need for additional logistics on the part of the customer, making the entire car shipping experience hassle-free. Whether you reside in a bustling urban area or a quiet suburban neighborhood in New Jersey, the door-to-door service ensures that your vehicle is handled with care from start to finish.

For those seeking a more economical option, open car shipping service is an excellent choice. This method involves transporting vehicles on an open trailer, typically accommodating multiple cars at once. While the vehicles are exposed to the elements during transit, open car shipping is a cost-effective solution for those on a budget. It’s important to note that despite the exposure, reputable car shipping companies take every precaution to secure vehicles properly, minimizing the risk of damage during transportation.

On the other hand, individuals with high-value or classic cars may opt for enclosed car transport. This premium service provides an extra layer of protection by transporting vehicles in an enclosed trailer, shielding them from external elements such as dust, debris, and adverse weather conditions. Enclosed car transport is ideal for those who prioritize the utmost care and protection for their vehicles, ensuring they arrive in pristine condition at their destination in Arizona.

Regardless of the chosen service, it’s crucial to select a reputable and licensed car shipping company to handle the transportation process. Researching customer reviews, checking for proper licensing, and obtaining a detailed quote are essential steps to guarantee a smooth and reliable car shipping experience.

In conclusion, shipping a car from New Jersey to Arizona offers various options to cater to different needs and preferences. Whether opting for the convenience of door-to-door service, the cost-effectiveness of open car shipping, or the premium protection of enclosed car transport, individuals can rest assured that their vehicles will be in capable hands throughout the journey. Selecting the right car shipping service ensures a worry-free experience, allowing individuals to focus on settling into their new surroundings in Arizona without the added stress of transporting their vehicles.

Our other services: – Freight Forwarder in Singapore, E-commerce shipping service,

Ocean Freight Forwarder Ghana, Car Transport Website Promotion, Auto transport website promotion, racer bike website promotion , Logistic website promotion, Store Promotion & website promotion.

read more

Vehicles Still Pollute More Than Advertised, Experts Warn

Carmakers that have been involved in the Dieselgate scandal for years have been in the spotlight once again. The ICCT (International Council on Clean Transportation) revealed that affected vehicles are still on the road, releasing high levels of toxic air. 

Over 200 vehicles from various manufacturers involved in the diesel emissions scandal continue to be driven on UK roads. The council analysed around 77% of the 200 and found that these vehicles emitted suspicious levels of nitrogen oxide or NOx. Of the analysed vehicles, the ICCT discovered that 40% had excessively considerable amounts of NOx emissions.

This revelation led the ICCT to conclude that the vehicles used defeat devices, which are mechanisms that manipulate emissions during testing. The devices can sense when a vehicle is about to be tested and they bring down the emissions to legal levels. However, this does not last long, only during the testing. The vehicle emits unlawful levels of nitrogen oxides, often at 40 times over the EU and World Health Organization limits. So, essentially, the vehicle worsens the toxic air problem.

Some manufacturers admit that they use defeat devices during testing but that they only do so because they claim the software protects the engine while the vehicle it’s installed in is being tested. Authorities and environmental law charities do not accept this reasoning, though, and they want the carmakers to pay for exposing drivers and the community to dangerous NOx emissions.

An environmental law charity has even filed a complaint about governments they believe have not worked hard enough to ensure that another Dieselgate does not happen. According to them, these governments should be held accountable for the continuing decline of air quality in their respective towns and cities or countries. 

Since 2016, the transport sector has emitted the highest volumes of toxic air. Most of the cases belong to road transport, which explains why it is a primary cause of air pollution in the country. The only exception was the COVID-19 lockdown in 2020, as road traffic was almost non-existent. 

A study conducted in 2022 came up with the conclusion that of the total number of UK homes, around 97% are in areas that are exposed to air pollution emissions that exceed WHO legal limits. 

Lawyers were exclaiming about how there has been little improvement since the Dieselgate fiasco broke out around eight years ago. This was what prompted them to file legal complaints against the governments of Germany, France, and the UK. The Dieselgate connection and its repercussions have to be resolved and stopped. For the lawyers, neglecting the diesel emissions problem is akin to neglecting the public, swaying their trust and confidence, and subjecting them to toxic air emissions that cause health impacts.

The impacts of exposure to NOx

Nitrogen oxide or NOx emissions has nitrogen dioxide (NO2) and NO or nitric oxide as main components. They are highly reactive, so when mixed with other gases, they can produce pollutants such as ground-level ozone. Nitrogen oxide can also help form acid rain and smog. It can cause vegetation to weaken, particularly plants and crops. 

A person who is exposed to NOx emissions has to suffer for a lifetime due to various health impacts. Cognitive health may weaken, which can lead to vulnerability to dementia. Mental health may also be affected and marked by unexplained episodes of depression and anxiety.

Asthma, vomiting, nausea, and chronic obstructive pulmonary disease are common health impacts. In some cases, fluid can get into and fill up the lungs leading to difficulty in breathing and other lung problems. 

There are serious health impacts as well, such as laryngospasm, oxygen supply deficiency, cancer, and cardiovascular disease. 

The most devastating and life-altering impact of exposure to NOx emissions is premature death. Thousands upon thousands of cases of early deaths linked to air pollution are reported every year across the world. Air pollution has become more dangerous than HIV and AIDS, drug and alcohol addiction, vehicular accidents, and cigarette smoking. This is why authorities should implement stricter emissions regulations policies.

These health impacts, along with the lies that carmakers told their customers, are the main reasons why a diesel claim is the best legal action for affected drivers. When carmakers deliberately failed to inform customers about the defeat devices fitted in their vehicles, they chose to value profit over human lives. Authorities insist that carmakers must be held liable for this.

Starting my diesel claim

Starting legal action against your carmaker should be easy as you can choose to work with an emissions expert. If your case is successful, your carmaker has to pay you compensation, the amount of which depends on the gravity of your case. However, you cannot move forward with your Vauxhall diesel claim without verifying your eligibility first.

The process is simple: just visit and collect all the information you need to determine if you are qualified to seek compensation. Once you’re done, talk to an emissions expert and decide whether you want to file an individual case or join a Group Litigation Order (GLO).

read more

EV Charger Installations Reached Record Numbers Last Year – Is This the End of Diesel?

With the UK and Europe’s impending ban on the sale of new diesel and petrol vehicles happening in a few years, and the zero-emissions goal, it is no wonder that sales of electric vehicles (EVs) are slowly and steadily increasing. As such, the demand for public electric chargers has also risen. In 2022 alone, the UK had over 8,000 public EV chargers installed. There are now approximately 37,000 chargers in the country.

The figures may not sound significant at this point, but a 30% growth rate is already a big step forward, especially since the government is committed to achieving 300,000 public EV chargers by the year 2030 (which is only several years away). That same year, the ban on new diesel and petrol-powered vehicles will also commence.

If the current increase continues, it is possible to achieve the government’s 300,000 public chargers goal. Manufacturers need to move fast, though, since estimates indicate that at least 19,000 installations are needed annually two years from now (2025) if the UK is to hit their goal.

Zap-Map chief operating officer and co-founder Melanie Shufflebotham said that around 1,000 ultra-rapid and rapid EV chargers were added to the list in 2022. These types of chargers can produce over 100 kW (kilowatts) and 25 kW respectively.

It is also important to encourage local authorities to act fast, especially since funding won’t be a problem as it is already available. It is essential to act now if the goal is to increase the number of public electric chargers in the thousands in the fastest and most efficient way possible.

Local and central governments should coordinate with each other, and authorities should not forget to work with businesses and groups that operate and manage charging points for EVs.

Placing the DV chargers in the right area or location is also vital. The chargers need to be in areas that are easily accessible.

Why EVs are better

As mentioned earlier, electric vehicles are becoming more popular day after day. Many now recognise the value that EVs will bring them. Electric vehicles have also become the number one choice of drivers who understand the advantages of going electric compared to using diesel-powered vehicles.

Electric vehicles are better because they do not release tailpipe emissions. They are cleaner and more reliable. Drivers do not have to worry about exposing people to toxic emissions. EVs promote better environmental health as well.

There are three types of electric vehicles and all three are safer than diesel vehicles:

  • BEVs or battery-powered electric vehicles are equipped with a battery pack that stores the electricity for the car.
  • A plug-in hybrid electric vehicle needs a rechargeable battery along with a diesel-powered
  • A fuel-cell vehicle derives its electricity from electron hydrogen and does not release tailpipe emissions

Electric vehicles should be the primary option for people who are thinking of purchasing new vehicles. Those who use diesel-powered vehicles, on the other hand, should switch to EVs especially since the ban on diesel vehicles is nearing.

What do emissions do?

The emissions that come from diesel vehicles are known as NOx or nitrogen oxides. NOx contains nitric oxide (NO) and nitrogen dioxide. On their own, the two gases are already quite potent. When they combine and react, they become more harmful. This makes NOx extremely dangerous.

When NOx mixes with other chemicals, it produces pollutants, including smog and acid. It also releases ground-level ozone, a pollutant that has severe impacts on vegetation, particularly on crops. Once exposed to NOx, crops, plants, and other vegetation weaken over time and get damaged.

Its health impacts range from mild to life-threatening:

  • Depression
  • Anxiety
  • Dementia
  • Asthma
  • COPD – Chronic Obstructive Pulmonary Disease
  • Cardiovascular disease
  • Laryngospasm
  • Asphyxiation
  • Cancer
  • Early or Premature death

Dieselgate scandal

Emissions became a household issue in 2015 after the Dieselgate diesel emissions scandal broke out. The Volkswagen Group was accused of using defeat devices in their diesel vehicles so they could cheat during emissions tests. The devices can sense when the vehicle is being tested and they immediately reduce emissions to levels that are within the regulatory limits.

However, when the vehicle is taken out for real-life road driving, it emits high levels of nitrogen oxide. Therefore, it is a pollutant and does not follow emissions regulations. Carmakers, thus, deceived their customers.

Aside from the Volkswagen Group, other carmakers involved in the scandal include BMW, Renault, Nissan, and Mercedes-Benz.

Can I file my diesel claim?

Affected drivers are urged to file a diesel claim against their carmaker for the following reasons:

  • Their carmaker lied to them and made them purchase a high-polluting vehicle at a premium price
  • Carmakers did not inform drivers about the defeat device
  • Carmakers exposed drivers and everyone around them to dangerous NOx emissions

If you think your vehicle is affected by defeat devices, you should file a diesel claim. If your case is successful, you can receive compensation from your employer. First off, however, you need to verify your eligibility to file for compensation. Simply visit to get all the details you need about your claim.

Once you’re verified, talk to an emissions expert and decide if you want to file the case on your own or join a Group Litigation Order (GLO).

read more

How to Switch from Traditional to Online Car Insurance

Switching from traditional to online car insurance can seem daunting at first, but with a little bit of research and preparation, the process can be quick and easy. In this blog post, we’ll walk you through the steps you need to take to make the switch from traditional to online car insurance.

Step 1: Research online car insurance providers

The first step in switching from traditional to online car insurance is to research the different online providers available in your area. Look for companies that have been in business for a while and have a good reputation. You can also check online reviews and ratings to get a sense of what other customers have experienced with the company.

Step 2: Compare coverage and prices

Once you have a list of potential online car insurance providers, it’s time to compare coverage and prices. Each company will have different coverage options and prices, so it’s important to compare and contrast to find the best deal for you.

Step 3: Gather the necessary information

Before you can purchase online car insurance, you’ll need to gather some basic information about yourself and your vehicle. This may include your personal information, such as your name, address, and driver’s license number, as well as your vehicle’s make, model, and year.

Step 4: Purchase online car insurance

Once you’ve found the right online car insurance provider like MiWay and have all the necessary information, it’s time to purchase your policy. The process of purchasing online car insurance is generally quick and easy. You can fill out the application form online and make your payment using a credit or debit card.

Step 5: Print out your policy

After you’ve purchased your online car insurance policy, you’ll receive an email confirmation. Be sure to print out your policy and keep it in a safe place. It’s also a good idea to take a screenshot of your policy on your phone so you have it with you at all times.

Step 6: Cancel your traditional car insurance

Once you’ve purchased your online car insurance policy and have received your policy documents, it’s time to cancel your traditional car insurance. This can typically be done over the phone or by email. Be sure to check with your traditional car insurance provider for instructions on canceling your policy.

In addition, many online car insurance providers offer discounts for bundling policies, paying annually, having a clean driving record, and many more. So, be sure to check all the available discounts and bundle your policies to save even more.

Another advantage of online car insurance is that you can easily manage your policy online. You can easily view your policy information, make changes, and pay your premiums online.

Finally, it’s important to remember that car insurance is mandatory in most states, and not having insurance can lead to fines, penalties, and even legal action. So, it’s crucial that you keep your car insurance policy up-to-date and don’t let it lapse.


Switching to online car insurance can be a great way to save time and money, and it’s a convenient and easy process. By researching online car insurance providers, comparing coverage and prices, gathering necessary information, purchasing your policy, and canceling your traditional car insurance, you can easily make the switch.

read more

Group Driving Activities

Are you interested in finding one-of-a-kind activities to grow your team? Or maybe you’re having trouble conceiving of a manner to commemorate your birthday that will keep all of your visitors amused. Look no farther; we have just what you seek. Taking your friends, coworkers, or family on a thrilling trip that involves group driving experience is a novel and exciting way to pass the time.

How does the process look like?

Every participant, regardless of whether or not they will be driving the vehicle, will have an experienced teacher riding along with them at all times (1 participant by car). The team in charge of organizing the event will devise a rotation plan in accordance with the available amount of time, the number of participants, and the number of automobiles that will be necessary. On location, players are greeted with a smile and given an update on the status of the event as well as any pertinent safety information.

Typically, there is an open bar, fun quizzes, and other thrilling activities available for players in the downtime between rides.

Can you drive luxury cars?

Of course – see which ones below:

Gallardo Lamborghini

On the French Riviera, passengers may have an exhilarating time riding in a Lamborghini Gallardo 560 LP Spider. Experience the tremendous sound of this famous car’s V10 engine, which has been expertly tuned to perfection. There is space for both passengers and drivers on these journeys. This is a once in a lifetime chance, so don’t pass it up!

458 Italia Ferrari

An additional exhilarating experience for passengers would be to cruise over the French Riviera in a Ferrari 458 Italia. Experience the tremendous sound of this famous car’s V10 engine, which has been expertly tuned to perfection. Nice, you should take the picturesque route that goes all the way around Monaco… Whether you select the 15, 30, or 60-minute trip, you will have the opportunity to take in the breathtaking scenery of the Cote d’Azur roads that are perched high above Monaco. A number of these automobiles have made cameo appearances in a variety of movies.

Ferrari California T.

A ride down the French Riviera in a Ferrari California T sports vehicle may be a thrilling and memorable experience for passengers. Take a drive down the Corniche de la Côte d’Azur and the world-famous panoramic roads of the Côte d’Azur, both of which provide breathtaking views of the Mediterranean Sea and the cities of Monaco and Nice. As soon as you climb inside, your ears will be greeted with the rumbling, precisely tuned V8 engine of this renowned automobile. Because it has four seats, this vehicle offers a nearly mythological experience that may be shared with a close friend, a kid, or a significant other (at the back, we accept 2 children or 1 adult). You also have the option of riding as a passenger rather than behind the wheel.

read more

GP Rentals

Each year, Monaco rises to the forefront of the Formula One world, becoming one of the most prestigious and entertaining street circuits. The Monaco Grand Prix has been confirmed for the upcoming years, so it’s time to start considering the finest ways to watch it. From the grandstands to the yachts, Monte Carlo is replete with alternatives.

As the most tedious manner to observe the race, let’s eliminate the stands as soon as possible. With limited entertainment and uncommon food and beverages, the grandstand is not the best place to view the race. However, they do provide excellent views of the track, the excitement of the crowd, and that distinct odor of burnt tires!

One of the most luxurious places to watch the race in Monaco is from a balcony, which offers refined cuisine and a variety of drinks. With a good height, it is possible to watch the race in comfort while taking in breathtaking views. Whether you like to reserve an entire balcony or merely purchase a ticket to one, there are numerous alternatives available.

A yacht is one of the most interesting ways to watch the Grand Prix. The Monaco Grand Prix centres on the harbor, with the majority of overtaking and incidents occurring at the chicane shortly after the yacht club. It is possible to charter a yacht for the duration of the Grand Prix, reserve a luxury suite for the night, or simply purchase a ticket to attend during the day. Onboard, passengers enjoy opulent amenities, such as on-deck spas and a crew that caters to their every need.

The restaurants will also provide a superb dining experience, with Michelin-starred chefs putting on their best shows to dazzle wealthy travelers. The Monaco Grand Prix continues to attract the largest and most renowned crowds. After the race, head to the bay of St. Jean Cap Ferrat to unwind and sunbathe in one of the many luxury villas for rent in Eze in order to shake your hangover.

read more

Top Reasons to Use Vehicle Transport Services: Car Transport

There are many reasons why you might need to use a vehicle transport service. For example, maybe you are moving across the country and need to take your car with you, or maybe you bought a car online and need it delivered to your door. Whatever the reason, using a professional vehicle transport service like Transport Car Canberra is the best way to ensure that your car arrives safely and on time.

Consider the Professionals

When it comes time to move, there are many different options available to you. You can hire a moving company, rent a truck and do it yourself, or use vehicle transport services. Vehicle transport services have become increasingly popular in recent years, and for a good reason.

There are many benefits to using them that we will discuss in this blog post.

If you need to transport a car, there are many vehicle transport services available to choose from. But why should you choose a professional car transport service? Here are the top reasons:

1) Vehicle transport services have the experience and expertise necessary to safely move your car.

2) They have the proper equipment and facilities to do the job right.

3) They can save you time and money over doing it yourself.

4) They offer secure transportation for your vehicle.

5) They are insured and bonded, so you can rest assured that your car will be in good hands.

If you’re considering using a vehicle transport service to move your car, there are several things you’ll want to keep in mind. Here are the top reasons to use a car transport service:

Convenience – One of the biggest advantages of using a car transport service is that it’s extremely convenient. You won’t have to worry about driving your car to the transport company or loading it onto a trailer. Instead, the transport company will pick up your car and deliver it to your destination.

Ease of Use – Car transport services is also very easy to use. You don’t have to be an expert driver or have any experience with transporting cars. The transport company will take care of all the details for you.

Affordability – Car transport services are generally very affordable. You can find companies that offer discounts for multiple cars or long-distance moves.

Safety – When you use a car transport service, you can be sure that your car will be safe and secure during the trip. The company will take care of all the necessary paperwork and will make sure your car is properly insured.

There are many reasons to use a car transport service, but these are the top four. If you’re considering using a car transport service, be sure to keep these things in mind. You’ll be glad you did!

The Bottom Line

Car transport services offer several advantages and are professional services that can help you relocate your car without any hassles. Here are the top reasons to use a car transport service:

read more

Car Detailing Services: Step-By-Step Guide To Find The Right One

No one likes a dirty car. Not only does it look bad, but it can also be a health hazard. Unfortunately, if you’re like most people, you probably don’t have the time to clean your car yourself regularly. That’s when you need car detailing services like Charles Car Service. But with so many options available, how do you find the right one for you?

This step-by-step guide will help make finding the right car detailing service easy and stress-free.

Step One: Decide What You Need

The first step is to decide what kind of detailing service you need. For example, do you just need a basic wash and vacuum, or are you looking for something more comprehensive? Services can range from $25 to $200 or more, so it’s important to know what you want before you start shopping around.

Step Two: Research Local Options

Once you know what kind of detailing service you need, it’s time to research local options. Ask friends and family for recommendations, or do a quick Google search to see what services are available in your area.

Step Three: Compare Prices and Services

Now that you have a list of potential car detailing services, it’s time to compare prices and services. Make sure to ask about any additional fees (such as waxing or interior cleaning), so there are no surprises later on.

Step Four: Schedule an Appointment

Once you’ve found the right car detailing service, it’s time to schedule an appointment. Most services will require a credit card deposit to reserve your spot, so be sure to have that information ready when you call.

Step Five: Enjoy Your Clean Car!

Once the car detailing service is finished, take a few minutes to admire your clean ride! You’ll feel good knowing that your car is now free of dirt, dust, and bacteria.

Tips To Keep In Mind When Choosing A Car Detailing Service

Many people think that all services are basically the same when it comes to car detailing. However, this is not the case. You should keep in mind a few things when choosing a car detailing service. Here are some tips:

  • Price: Obviously, the price will be a factor when choosing a car detailing service. However, don’t just go with the cheapest option. Make sure you compare prices and reviews from different services to find the best deal.
  • Location: Another thing to consider is location. If you live in a remote area, there may only be one or two car detailing services in your area. This may limit your options somewhat.
  • Type of Service: There are a few different types of car detailing services. Some focus on exterior cleaning, while others specialize in interior cleaning. Make sure you choose the service that is best suited to your needs.
  • Experience: It’s also important to consider the experience of the service. How long have they been in business? Do they have any positive reviews online? This can give you a good idea of what to expect from them.

Most detailers offer a variety of packages that fit any budget, so there’s no reason not to take advantage of their services. Contact a few detailers in your area today and schedule an appointment. Your car will thank you for it! By keeping these tips in mind, you should be able to find the perfect car detailing service for your needs. Happy detailing!

read more

Professional Liability 

More and more, the US has become a service economy and less of a manufacturing economy. That means that we are providing more services rather than products. Some of those services are in the form of advice, and as such, wrong advice can cause harm to those we advise.

So, who might be providers of advice? Certainly, those in the insurance business. Add to those the ones in the legal profession. Include other advisory professions such as accountants, architects, consultants, lenders, realtors, auto insurance agents, certain programmers, cyber technologists, and more. The list is very long. Don’t forget the medical and dental professions, although their wrongly provided service is called “malpractice,” as opposed to just advice.

Categories of harm caused by incorrect service

There are two rough categories of harm that can be caused by incorrect service; financial and physical. For example, a financial advisor may cause financial harm by his error or his omission. Financial compensation might be sought from such a case. On the other hand, if an architect does a poor job in design, his design may result in the collapse of a building, and harm to individuals and property (other than the property he designed.) A doctor might cause disease or loss of a limb due to an omission. Both of these examples could also result in financial loss.

Does general liability coverage cover such exposure?

General liability, after all, does protect the insured in case he is sued for bodily injury or property damage to a third party. General liability is not designed to cover poor advice or service, and so exclusions are specifically named such that the coverage does not go so far as providing protection against those and other exposures specifically covered by professional Liability. Let’s look at how car insurance might offer a remedy:

Professional Liability coverage

What we now call “Professional Liability” coverage was once called E and O, which stands for Errors and Omissions. Stating the obvious, an insured could make an error in judgment and cause loss, or they might overlook a point that later becomes an issue.

The term “Professional Liability” is broader than just E&O, however. Over the years, such coverage as negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice has been added to the basic E&O definition of coverage.

How a loss might occur?

For example, if a Trust attorney does not have experience on the possible outcomes of a particular type of wording, and she neglects to provide a clarification in a trust that she writes, the property might not be properly protected, heirs may suffer losses to their inheritances, or the state may have to arbitrate an outcome; that process being lengthy and expensive to the heirs.

In addition, certain occupations have a component of physical loss exposure in addition to financial loss exposure. Architects for sure have that, as do Doctors. Certain consultants also have that. One of my client’s programs control computers for assembly robots and gantry cranes. If he programs one incorrectly and it drops a load onto someone or something, there would be both physical and financial damage. He has a type of professional liability program called Architects and Engineers coverage, which would cover both types of damage.

That consultant also has general liability coverage just in case he is on a client location and creates a physical hazard resulting in injury or financial loss, but not related to his programming. It is, in fact, General liability coverage.

Some things to note

  1. As a side note, not even citizens insurance company will allow willful acts to be covered, so general and professional liability policies exclude willful or criminal acts. If it is shown, for example, that the outcome of action was known before the service was provided, that could be a fraud. Fraud is criminal, and criminal acts are never covered by insurance contracts.
  2. As another side note, sometimes the lines become blurred when speaking of prior knowledge. These often become decided in court as both sides argue whether or not there was prior knowledge. In fact, the exact time of loss, including prior knowledge leads us into the next aspect of Professional Liability coverage, and that is the coverage form.

What should one look for in a professional liability policy? 

There is a clause called “duty to defend.” If that clause is not there, then you may be on your own in defense of your position and only be reimbursed after a lengthy trial. Costly, to say the least.

There may be a window within which a claim must be filed; often 60 days from the time of notification of the event as an example. If the notification to the insurance company falls outside of that, the company may not have a “duty to defend.”

Since these policies are almost always written on a “claims made” basis, there must be prior acts coverage, otherwise, anything that happened prior to the effective date of this year’s policy may not be covered—even if that policy is a continuation of the last year’s policy. And don’t let that policy lapse, or the prior acts coverage restarts with this year’s effective date. Not a good scenario.

read more