General Liability vs Professional Liability

Posted by Scott Helfrich on May 11, 2017 12:01:00 PM

We often get asked “what is the difference between general liability and professional liability insurance”? “Does my business need both, or just one of them”? We want set the record straight.

As a small business owner, purchasing the right insurance is vital in protecting your business. Insurance claims can climb into the tens if not hundreds of thousands of dollars, so protecting your business is more important than ever. With general liability & professional liability, you are not only protecting your business, employees, and property, but all individuals who interact with your business and employees.


What is General Liability Insurance?

General Liability insurance covers claims of bodily or personal injury and property damage. It will cover the legal fees, and any other costs associated with property damage and settlements.


What is Professional Liability Insurance?

Professional Liability insurance (also known as E&O insurance) covers negligence that may or may not have occurred in professional services. A professional liability claim is usually a financial claim, rather than a physical claim. In most cases, a code of conduct is used to measure the presence of negligence, or the severity of said negligence.


Does my business need General Liability or Professional Liability insurance?

Regardless of the type of claim, both can be financially crippling to a small business. With frivolous lawsuits becoming more common, it is important to protect your business from such claims. If you feel like you are at risk and need general liability or professional liability insurance, or have any questions, contact one of our licensed insurance experts at 1-888-289-2939.


AP Intego is an innovative national insurance brokerage focused on helping small and medium sized businesses achieve their dreams.

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