My client sued me to return fees I earned, am I covered?
No, but you may have other coverage if the client files a grievance for charging “excessive fees.” Who would have guessed it would cost your client $60,000 to get a $4,500 judgment in their favor? Now they’ve sued you, after they paid, for a return of those fees that they claim are “excessive.” And you even gave them a break on their fees for not charging for that one phone call. The policy specifically excludes coverage for any “Claim” for money damages for return of monies provided to an Insured for “Professional Services” rendered.
As you should expect, these Q&A scenarios are based on simple hypotheticals. Coverage determinations for an actual claim are ultimately based on the unique facts, applicable law, and the Terms, Conditions, Limitations, Exclusions, and Endorsements of your policy.