專業責任保險市場中所採用的保單很多樣化，視乎所涉及的 活動或專業而定，更因保險人而異。專業彌償保險單一般承 保被保險人就其「錯誤」作為或不作為導致第三者傷亡、遭 受財產損失或損害、或遭受財務損失（視乎受保活動或專業 而定）而承擔的法律責任，但第三者的申索必須在保單期限 内首次提出。
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