In today's litigious society, people are increasingly willing to hold professionals responsible for errors, real or perceived. Consumer awareness, in fact, "has definitely become one of the biggest drivers of E&O claims," says David Egosi, vice president, Professional Liability for Hiscox USA.

"These days, if you don't like the way a debt collector treats you, or if a telemarketing company interrupted your Tuesday night dinner, it doesn't take much more than a quick Google search to find out that you might not be the only one," Egosi adds. "That can often lead to class-action claims, and there are plenty of law firms that make a living litigating them."

This mentality has led to growth in the Professional Liability market as a whole. In addition to sales of specialized coverage targeted to traditional classes — doctors, lawyers, accountants, and engineers — brokers report strong interest in miscellaneous Professional Liability among a wide range of clients.