What is the Difference Between General Liability and Professional Liability Insurance?

We wanted to take some time to answer some commonly asked questions that our team receives regularly in our upcoming blog posts.  Stay tuned to see what we have to say and if you would like your questions answered send an email to lisa@mllins.com or call 517-351-9117!  We pride ourselves on the education that we provide our team and our clients with on a daily basis and we are happy to share that with you!


What is the difference between general liability and professional liability insurance?

General liability insurance and professional liability insurance are two types of commercial insurance policies that offer protection to businesses in different ways.

General liability insurance provides coverage for bodily injury and property damage that may happen as a result of your business operations. This may include accidents that happen on your business property, or incidents that happen as a result of your products or services. General liability insurance can also provide coverage for advertising and personal injury claims, such as libel or slander.

Professional liability insurance, provides protection for businesses that provide professional services, such as doctors, lawyers, architects, and consultants to name a few. This type of insurance is designed to protect businesses from claims of negligence or failure to perform professional duties. Professional liability insurance can help cover legal costs, settlements, and damages resulting from these claims.

While general liability insurance covers bodily injury, property damage, and personal injury claims, professional liability insurance covers claims of negligence or failure to perform professional duties. It’s important to understand the specific risks associated with your business in order to determine which type of insurance is right for you.

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