Purchasing insurance for bodily injury and property damage claims seems straight forward enough - that's the intent of a commercial general liability policy. The problem however, is that many companies today provide some degree of professional services, and most liability policies exclude coverage for claims arising from “professional services”. A typical exclusion will read:
This insurance does not apply to any “bodily injury”, “property damage”, “personal and advertising injury” arising out of the rendering of, or failure to render professional services.