This policy is designed to give cover for all professionals and like architect, consultants, advisors, independent loss adjusters, independent surveyors, loss assessors, accountants, lawyers, auditors, insurance and other professionally licensed intermediaries, medical and pharmaceutical professionals, and other accredited and professional. When a professional is engaged to provide a specialist service, then that professional owes a duty of care by virtue of his contract or retainer with the client, to provide the best possible service, works, and advice to that client. If a professional breaches his or her duty of care or provides a sub-standard service which causes a financial loss on the client, then the victim of such professional negligence is entitled to bring a claim for compensation.