By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
If a client trips over your laptop cord, that's General Liability. If a client sues because your advice caused them to lose $50,000, that's Professional Liability.
Which One for Your Industry?
- General Liability: Essential for anyone with an office, job site, or who visits clients (Landscapers, Retail, Contractors).
- Professional Liability: Essential for anyone providing advice or services (Consultants, Accountants, IT Professionals, Realtors).
Many modern BOP policies allow you to add a Professional Liability rider for a discounted rate.
Frequently Asked Questions
Yes, most professional service businesses carry both to ensure complete protection against both physical and intellectual risks.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.