Which coverage typically would not extend to damage caused by intentional acts, like vandalism?

Professional liability insurance is specifically designed to protect professionals against claims of negligence or errors in the services they provide. This type of coverage typically does not extend to intentional acts, such as vandalism, because it is focused on protecting against claims arising from professional conduct rather than physical damage to property or intentional wrongdoing.

In contrast, other types of insurance mentioned might provide coverage in certain circumstances, even for acts of vandalism, as they are generally broader in scope regarding property coverage. For example, commercial property insurance is intended to cover physical damage to buildings and contents, which could include vandalism, while general liability insurance might cover bodily injury and property damage claims that arise from the insured's operations, which can also encompass certain intentional acts, depending on the context. Auto insurance often includes coverage for intentional acts like vandalism under comprehensive coverage, which protects against non-collision-related damage.

By understanding the specific intent and scope of professional liability insurance, it becomes clear why this type of coverage would not apply to damages caused by intentional acts.