Specialty Liability Insurance (ID)

Why is there a need for Specialty Liability insurance?

Specialty Liability insurance will pay if the insured is negligent for 

Which type of insurance can pay a claim if an insured director, officer, or manager is held personally responsible for a wrongful act, such as a making a bad decision that causes other people to lose money?

Which type of insurance can pay a claim if a doctor is held responsible for a wrongful act that causes someone to be injured?

Which type of insurance can pay a claim if a lawyer is held responsible for a wrongful act that causes someone to be harmed?

Which type of insurance can pay a claim if an insurance agent is held responsible for a wrongful act that causes someone to be harmed?

Stephanie, an employee of Superduper Corporation, was harassed at work by her co-workers. She sued her employer for not having the proper procedures to prevent workplace harassment. Which insurance can pay if Superduper Corporation is negligent for the harassment?

Funtabulous Corporation promised an employee, Hector, that he would receive employer-paid retirement benefits. Due to a misunderstanding, Hector did not receive the benefits that he thought he would receive, and Hector sued his employer. Which insurance can pay if Funtabulous Corporation is negligent for not providing the benefits it promised to Hector?

Cyber liability and network protection policies can cover a business for all of the following risks when a security or system failure occurs EXCEPT