Discussion: Individual Professional Liability

Discussion: Individual Professional Liability

COVERAGE—INDIVIDUAL PROFESSIONAL LIABILITY Injury arising out of the rendering of or failure to render, during the policy period, professional services by the individual insured, or by any person for whose acts or omissions such insured is legally responsible, except as a member of a partnership, performed in the practice of the individual insured’s profession described in the declarations including service by the individual insured as a member of a formal accreditation or similar professional board or committee of a hospital or professional society.
EXCLUSION This insurance does not apply to: 1. Liability of the insured as a proprietor, superintendent, or executive officer of any hospital, sanitarium, clinic with bed and board facilities, laboratory or business enterprise other than as stated in the above declarations; 2. Liability of the insured as a nurse-anesthetist or as a nurse midwife.
LIMITS OF LIABILITY Individual Professional Liability The limit of liability stated in the declarations as applicable to each claim is the limit of the company’s liability for all damages because of each claim or suit covered hereby. All claims arising from the same rendering of or failure to render the same professional services shall be considered a single claim for the purposes of this insurance. The limit of liability stated in the declarations as aggregate is, subject to the above provision respecting each claim, the total limit of the company’s liability under this coverage for all damages. Such limits of liability shall apply separately to each insured.
SUPPLEMENTARY PAYMENTS The company will pay, in addition to the applicable limit of liability:
All expenses incurred by the company, all costs taxed against the insured in any suit defended by the company, and all interest on the entire amount of the judgment therein that accrues after entry of the judgment and before the company has paid or tendered or deposited in court that part of the judgment that does not exceed the limit of the company’s liability thereon.

You must proofread your paper. But do not strictly rely on your computer’s spell-checker and grammar-checker; failure to do so indicates a lack of effort on your part and you can expect your grade to suffer accordingly. Papers with numerous misspelled words and grammatical mistakes will be penalized. Read over your paper – in silence and then aloud – before handing it in and make corrections as necessary. Often it is advantageous to have a friend proofread your paper for obvious errors. Handwritten corrections are preferable to uncorrected mistakes.

Use a standard 10 to 12 point (10 to 12 characters per inch) typeface. Smaller or compressed type and papers with small margins or single-spacing are hard to read. It is better to let your essay run over the recommended number of pages than to try to compress it into fewer pages.

Likewise, large type, large margins, large indentations, triple-spacing, increased leading (space between lines), increased kerning (space between letters), and any other such attempts at “padding” to increase the length of a paper are unacceptable, wasteful of trees, and will not fool your professor.

The paper must be neatly formatted, double-spaced with a one-inch margin on the top, bottom, and sides of each page. When submitting hard copy, be sure to use white paper and print out using dark ink. If it is hard to read your essay, it will also be hard to follow your argument.