Our insured is an ambulance company and is insured with a commercial auto fleet policy. The employees transported a patient by ambulance to a medical facility and in the process of actually transferring him from the gurney to his hospital bed, the patient was dropped and was injured. We think this is a professional liability exposure and is not covered by the auto policy. What is your opinion?

Colorado Subscriber

The subject of professional liability versus general liability is answered usually by whether the act was in keeping with the person's specialized vocation or profession or training. In other words, is the act one that a professional does or one that anyone can do?