Which type of insurance is specifically designed to protect professionals against claims of negligence?

The correct choice is liability insurance because it specifically provides coverage against claims made by clients alleging that a professional has failed in their duties, resulting in negligence. This type of insurance is essential for professionals such as doctors, lawyers, architects, and consultants, as it helps safeguard them from financial losses arising from legal claims or lawsuits.

Liability insurance can cover legal fees and any settlements or judgments that may result from claims of negligence, offering peace of mind to professionals who are at risk of being sued for mistakes or omissions in their work. It addresses both personal and professional liability, making it a comprehensive solution for those who provide services to others.

In contrast, property insurance protects physical assets from damage or loss due to events like theft or natural disasters, while health insurance covers medical expenses for individuals. Life insurance pays a benefit to designated beneficiaries upon the insured's death, focusing on providing financial security to loved ones rather than addressing negligence claims.