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The Difference Between General Liability and Professional Liability

Professional liability insurance policy

In the business world, especially for small businesses, there tends to be some confusion surrounding the differences between general liability insurance and professional liability insurance. When you are trying to match your business liability risk to individual coverages will be much easier by learning how these two types compare and contrast.

Similarities Between General Liability and Professional Liability Insurance

Each of these policies is designed to protect your business against liabilities. One lawsuit is all it could take to destroy your business’ reputation and financial health. Both general liability and professional liability coverage can help alleviate your financial burden that comes with these situations. This helps to reduce the impact on your business operation following the lawsuit.

Both of these policies also help you meet contractual requirements. In some cases, employers or clients require you to have a specific amount of professional or general ability coverage before you can work with them.

Differences Between General Liability and Professional Liability

These policies differ in what type of risks they cover. With general liability insurance, you can protect your business against lawsuits related to physical injury to people or damage to property due to your daily operations. For example, if a contractor is remodeling a house and accidentally causes major damage to a wall in the home, the homeowners can sue the contractor to cover the costs of the damage and other related expenses.

On the other hand, professional liability insurance, also known as errors and omissions insurance or E&O, protects your business against claims of negligence that are related to your professional services or advice. The types of claims professional liability covers are usually associated with financial loss.

Get the Policy You Need to Protect Your Business

At Quantum Source Insurance, we will work with you to learn more about your business and what type of coverage will best safeguard your business against liability claims. Whether you need general liability insurance or professional liability insurance, or if you would like to learn more about other policies designed for business owners, call Quantum Source today to speak with our insurance experts.

Business Liability Insurance


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