What would trigger the need for professional liability insurance for commercial drivers?

Professional liability insurance, often referred to as errors and omissions insurance, is essential for professionals who provide services or advice to clients. For commercial drivers, this insurance becomes relevant when there is a risk of negligence in the performance of professional services.

If a commercial driver is responsible for transporting goods or passengers, and their actions lead to a claim of negligence—such as failing to adhere to safety protocols or causing a collision due to inadequate planning—they could face legal consequences from clients or third parties. This insurance is designed to cover claims related to such negligence, protecting drivers against financial loss from lawsuits and legal fees.

In contrast, other options don't relate directly to the specific professional liability context. For instance, physical damage to property typically falls under property damage insurance rather than liability insurance. Employee misconduct may not directly correlate with the professional services provided by the driver and would typically be covered under liability or fidelity insurance. Traffic violations, while significant, generally fall into personal liability and may be covered by other types of insurance, not specifically professional liability. Therefore, negligence in the context of professional services is the fundamental reason driving the need for this type of coverage for commercial drivers.