---
title: What is the difference between general liability insurance and professional liability insurance, and which type of coverage do I need for my business?
description: Looking for answers on general liability insurance and professional liability insurance? Legal Faqs breaks it down and helps you determine which type of coverage your business needs. Protect your business with expert advice.
image: https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg
---

[Skip to content](https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business#main-content)

[LegalFAQ.ai](https://www.legalfaq.ai/)

- [Home](https://www.legalfaq.ai)
- [Blog](https://www.legalfaq.ai/blog)
- [FAQ Library](https://www.legalfaq.ai/faqs/all)

Open main navigation

Close main navigation

- [Home](https://www.legalfaq.ai)
- [Blog](https://www.legalfaq.ai/blog)
- [FAQ Library](https://www.legalfaq.ai/faqs/all)
- [Ask a question](https://www.legalfaq.ai/ask)

[Ask a question](https://www.legalfaq.ai/ask)

[All posts](https://www.legalfaq.ai/faqs/all)

 April 16, 2023

# What is the difference between general liability insurance and professional liability insurance, and which type of coverage do I need for my business?

![Picture of Chris Battis](https://www.legalfaq.ai/hs-fs/hubfs/battis-mug.jpg?width=50&name=battis-mug.jpg) By  [Chris Battis](https://www.legalfaq.ai/faqs/author/chris-battis)  ·   1 minute read

As a lawyer, I can provide legal advice on the difference between general liability insurance and professional liability insurance, and which type of coverage is needed for a business.

### General Liability Insurance

General Liability Insurance covers a business for claims of bodily injury, property damage, and personal injury caused by the business owner, employees, or services. It also covers expenses related to lawsuits, such as legal fees and settlements.

### Professional Liability Insurance

Professional Liability Insurance, also known as Errors and Omissions insurance, provides coverage for claims of negligence, errors, or omissions in the professional services provided by the business owner or employees. It covers damages that result from these mistakes, including legal fees and settlements.

The difference between the two is that General Liability Insurance covers claims related to bodily injury, property damage, and personal injury, while Professional Liability Insurance covers claims related to negligence, errors, or omissions in the professional services provided by the business.

The type of coverage a business needs depends on the nature of its operations. Businesses that provide professional services or advice, such as lawyers, accountants, or doctors, should have Professional Liability Insurance to protect against claims related to professional services. Companies that provide physical products or perform physical work, such as construction, may need General Liability Insurance to protect against claims related to injuries or property damage.

It is important to review your policy details and consult with an insurance professional to ensure that your coverage needs are met. Additionally, there may be specific limitations or exceptions to coverage depending on the terms of the policy, and it is important to review these carefully.

In conclusion, the main difference between General Liability Insurance and Professional Liability Insurance is the type of claims that they cover. The type of coverage that a business needs depends on the nature of its operations, and it is important to review policy details, limitations, and exceptions to ensure adequate coverage. It is always recommended to consult with an insurance professional and legal counsel to ensure that your business is properly protected.

Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business) [twitter icon](https://twitter.com/intent/tweet?url=https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business) [envelope icon](mailto:?body=https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business)

## Related posts

[![](https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg)](https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-3)

[Insurance Law](https://www.legalfaq.ai/faqs/tag/insurance-law)

### [What is the difference between general liability insurance and professional liability insurance?](https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-3)

[![](https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg)](https://www.legalfaq.ai/faqs/what-is-the-difference-between-liability-insurance-and-professional-liability-insurance-1)

[Insurance Law](https://www.legalfaq.ai/faqs/tag/insurance-law)

### [What is the difference between liability insurance and professional liability insurance?](https://www.legalfaq.ai/faqs/what-is-the-difference-between-liability-insurance-and-professional-liability-insurance-1)

[![](https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg)](https://www.legalfaq.ai/faqs/what-is-the-difference-between-personal-liability-insurance-and-general-liability-insurance-for-a-small-business)

[Insurance Law](https://www.legalfaq.ai/faqs/tag/insurance-law)

### [What is the difference between personal liability insurance and general liability insurance for a small business?](https://www.legalfaq.ai/faqs/what-is-the-difference-between-personal-liability-insurance-and-general-liability-insurance-for-a-small-business)

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Chris Battis",
    "url" : "https://www.legalfaq.ai/faqs/author/chris-battis"
  },
  "datePublished" : "1970-01-01T00:00:00.000Z",
  "headline" : "What is the difference between general liability insurance and professional liability insurance, and which type of coverage do I need for my business?",
  "image" : [ "https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg" ],
  "mainEntityOfPage" : {
    "@id" : "https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject"
    },
    "name" : "LegalFAQ.ai"
  }
}
```

```json
{
  "@context" : "http://schema.org",
  "@type" : "Article",
  "author" : {
    "@type" : "Person",
    "name" : [ "Chris Battis" ],
    "url" : "https://www.legalfaq.ai/faqs/author/chris-battis"
  },
  "datePublished" : "1970-01-01T00:00:00+0000",
  "description" : "Looking for answers on general liability insurance and professional liability insurance? Legal Faqs breaks it down and helps you determine which type of coverage your business needs. Protect your business with expert advice.",
  "headline" : "What is the difference between general liability insurance and professional liability insurance, and which type of coverage do I need for my business?",
  "image" : "https://www.legalfaq.ai/hubfs/LegalFAQ/insurance-legal-faqs.jpg",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : ""
    },
    "name" : "LegalFAQ.ai"
  },
  "url" : "https://www.legalfaq.ai/faqs/what-is-the-difference-between-general-liability-insurance-and-professional-liability-insurance-and-which-type-of-coverage-do-i-need-for-my-business"
}
```