General Liability vs Professional Liability Insurance: Key Differences Explained for 2026

General liability and professional liability insurance serve different purposes but are both essential for comprehensive business protection.

General liability covers bodily injury, property damage, and personal injury claims that occur on your business premises or as a result of your operations. Professional liability (E&O) covers claims arising from professional services, advice, or failure to perform professional duties.

Most businesses need both types of coverage to be fully protected against the wide range of risks they face daily.