What is the difference between general liability and professional liability?

General liability and professional liability are written for different kinds of claims. General liability is built for third-party bodily injury and property damage, the visitor who trips in your lobby. Professional liability, or errors and omissions, is built for allegations that your professional work caused a client financial harm. A firm can carry both, and the two forms respond to different allegations rather than overlapping. Which form applies to any particular claim is decided by the policy language and how the claim is pleaded. Carrying both is not the same as closing the gap between them. General liability commonly excludes professional services and professional liability commonly excludes bodily injury and property damage, so an injury arising out of your professional work can fall between the two. Review your individual needs with a licensed agent who can see your actual policies.