Insurance is ever changing and so is your business. Due to economic times many companies have had to come up with ways to diversify or create value for their clients. construction companies now offer a design build solution for the owner/developer. Website design companies have created full service marketing solutions including email, cold calling and data tracking. In some cases what has not been realized is that with diversification and/or growth comes new exposures. Are those new exposures covered under the companies standard general liability policy? The answer is most likely “No”. Professional services including but not limited to business consultants, architects, construction managers, IT services, property managers, real-estate agents. interior design, recruiters, personal trainers, hair stylists, sales and marketing are covered under professional liability. There is a growing need for professional liability that has not been realized by many business owners. It is important to identify your organizations professional exposures and consider the need for professional liability.