Professional Liability vs. General Liability

1. What General Liability Covers

General Liability (GL) protects your business from physical or tangible claims.

✅ GL Covers:

• Bodily injury (someone gets hurt because of your business)

• Property damage (you damage someone’s property)

• Slip-and-fall accidents

• Product liability

• Advertising or reputational injury (slander, copyright issues)

❌ GL Does NOT Cover:

• Your advice

• Your services

• Mistakes in your professional work

• Financial losses you cause without physical injury or physical damage

Example:
A customer slips on a wet floor in your office and breaks a wrist.
➡️ General Liability covers it.

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2. What Professional Liability Covers (a.k.a. E&O or Malpractice)

Professional Liability protects you from financial losses a client suffers due to your work, advice, or services — even if you didn’t do anything wrong.

✅ Professional Liability Covers:

• Errors in your work

• Failure to deliver services properly

• Missed deadlines

• Advice that leads to financial loss

• Negligence claims

• Inaccurate guidance

• Breach of professional duty

❌ Professional Liability Does NOT Cover:

• Injuries

• Property damage

• Wrongful death

• Slips or falls

• Theft or vandalism