There are a few key things that professional liability insurance does not cover. These include: -Intentional acts: If you intentionally cause harm to someone or something, your policy will not cover the damages. -Criminal acts: Similarly, if you commit a crime, your insurer will not be on the hook for any resulting damages. -Fraudulent claims: If you make a false or misleading claim about your services, your policy will not cover any losses incurred by the person or company you defrauded. -Damage to property: Professional liability insurance only covers personal injury, so if you damage someone's property, your policy won't provide coverage.