It’s a type of insurance that protects professionals against claims made by their clients for mistakes, negligence, or failures in the services they provide.

Yes. While both cover legal costs, general liability insurance typically covers bodily injury, property damage, and advertising injuries, whereas professional liability focuses on errors and omissions in services rendered.

Professionals like doctors, lawyers, architects, engineers, consultants, accountants, and many others who provide services or advice to clients.

Claims for negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.

Premiums are based on factors like the type of profession, location, years of experience, coverage limits, and the history of past claims.

It depends on the profession and location. Some professions or states may require it, while others might not.

Typically, yes. Most policies cover defense costs, settlements, and judgments, but it’s important to read the specifics of your policy..

Yes, but it may be more expensive, or there might be specific exclusions related to past incidents.

General liability insurance, often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury, and others that can arise from your business operations.

Any business that has the potential to face liability claims from third parties may consider getting this coverage. This includes small businesses, freelancers, contractors, retailers, and more.

In many places, it’s not a legal requirement, but it can be required by landlords if you’re renting a commercial space, or by clients before entering into contracts.

General liability covers bodily injuries, property damages, and advertising injuries. Professional liability, also known as errors & omissions (E&O) insurance, protects against claims related to your professional services or advice.

Yes, it can cover legal fees, court costs, and any settlements or judgements up to your policy’s limits.

Maintain a safe business environment, offer ongoing training, establish clear procedures, and work with an insurance agent to tailor coverage to your specific needs.

It generally doesn’t cover:

  • Employee injuries (covered by workers’ compensation).
  • Professional errors (covered by professional liability insurance).
  • Auto-related coverages (covered by commercial auto insurance).
  • Intentional acts.
  • The type of business you have.
  • Location of your business.
  • Business size and revenue.
  • The amount of coverage you need.
  • Your business’s claims history.