General Liability vs. Professional Liability: What’s the Right Coverage for Your Business?

Choosing between general liability and professional liability insurance can be confusing, but understanding their differences is key to protecting your business.

General liability covers bodily injury, property damage, and personal injury claims—think slip-and-fall accidents or a broken client laptop. Professional liability, also known as errors and omissions (E&O) insurance, protects against claims of negligence, mistakes, or failure to deliver services as promised—especially relevant for consultants, accountants, and other service providers.

If your business interacts with clients, sells services, or provides professional advice, both types of coverage may be necessary. By combining them, you create a safety net that shields you from a wider range of risks.