Professional Liability Claim Denied?
We Used to Work for Insurers — Now We Protect Alberta Professionals
When a client alleges negligence or error, you expect your professional liability insurance (E&O) to defend you. Instead, insurers often deny coverage, refuse to defend, or try to limit what they pay — putting your reputation, practice, and livelihood at risk. For nearly a decade, we defended insurers. Now we use that insider knowledge to help Alberta professionals get the coverage they paid for.
No Fee Unless We Win.
Why Alberta Professionals Choose Us
Insider Advantage
We know how insurers deny E&O claims because we used to act for them.
We Handle Full Coverage Disputes
Duty to defend, exclusions, reservations of rights, settlement authority.
Experienced With Complex Professions
Finance, construction, legal, health care, consulting, engineering, and more.
Reputation Protection
Clear, strategic, and discreet.
Flexible Fee Options
Flat-fee opinions or contingency-based litigation where appropriate.
Denied or restricted coverage?
Types of Professional Liability Claims We Handle
Insurance Claims We Handle
Errors & Omissions (E&O) Denials
Duty to Defend Refusals
Coverage Exclusions Disputes
Reservations of Rights Challenges
Settlement Authority Disputes
Legal Professional Liability Denials
Medical Professional Liability Denials
Engineering & Construction E&O Disputes
Financial Services E&O Denials
Consulting & Professional Services Denials
Architectural & Design Professional Liability
Technology & IT Professional Liability
Common Reasons for Disputes
Professional service not covered
'Intentional or dishonest act' exclusions
'Late reporting' or 'claims made outside the policy period'
'Contractual liability' exclusions
'Prior knowledge' exclusions
No duty to defend
Alleged failures in documentation or reporting
Insurer says the claim 'isn't a professional error'
Split hair definitions of 'professional service'
What to Do If Your E&O Claim Is Denied or Disputed
- 1
Save all denial letters and correspondence
These outline the insurer's position.
- 2
Do not accept a reservation of rights without advice
- 3
Document the professional service provided
We help organize this evidence.
- 4
Request your complete policy and claim file
- 5
Do not provide additional statements
Until we review the coverage dispute.
- 6
Speak to a lawyer immediately
E&O disputes can affect your licence and practice.
Need clarity on coverage?
Client Testimonials
See what our clients say about their experience with our firm and how we helped them through their personal injury claims.
I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.
D. N.
Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.
L. E.
My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.
C. W.
I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.
K. W.
Professional Liability Insurance FAQs (Alberta)
Trusted by Albertans
for serious injury claims.
Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.
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Free Consultation
We are listening.
Consultations are always free and we offer a complete commitment to our clients with no upfront legal fees unless we win.
Clear answers. Strong advocacy.
To start your free consultation, fill out the form. Or call us at 403-527-7736
SHIV GANESH
Personal Injury and Insurance Lawyer
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