Yes. Case files contain some of the most sensitive personal information held by any profession.
Often advisable. Employer coverage protects the employer first and ends with the job.
Usually through a license defense sublimit. Complaints are more common than suits.
Professional liability responds to claims from reporting or failing to report. It's a leading claim category.
Only if off-site work is contemplated. Field visits also carry personal safety considerations.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
