This Comment analyzes recent developments in insurance company insolvencies which have led to increased claims against professionals connected to insolvent insurance companies. This Comment first documents the (mis)application of common law doctrines which has lowered the threshold for professional liability. It then analyzes the public policy behind the tort law. This Comment then argues for reforms that would restrict the use of joint and several liability and require that plaintiffs prove direct loss causation in order to recover. These reforms will begin to allow courts to distinguish between cases where professional liability must be deterred from those cases in which the professional has been singled out as a deep pocket rather than a culpable party.
