They 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. Review your individual needs with a licensed agent who can see your actual policies.
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