Professional Services Insurance
General Liability Insurance
for Professional Services
Even knowledge-based businesses have physical offices where clients, vendors, and visitors can be injured. General liability covers premises injuries, advertising injury claims, and property damage you cause — providing a safety net for risks that E&O doesn't address.
Industry-Specific Insight
Why Professional Services Businesses Need General Liability Insurance
Even knowledge-based businesses have physical offices where clients, vendors, and visitors can be injured. General liability covers premises injuries, advertising injury claims, and property damage you cause — providing a safety net for risks that E&O doesn't address.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for professional services operations.
FAQs
Common Questions from Professional Services Businesses
Do professional service firms really need general liability?
Yes. Slip and falls at your office, damage to client property during a visit, and advertising injury claims (like defamation or copyright infringement) are all covered by GL — not E&O.
Can I bundle general liability with my E&O policy?
Yes. Many professional liability policies include or offer general liability, and a Business Owners Package (BOP) bundles both with property coverage.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Professional Services Businesses Commonly Need
A complete protection plan for professional services operations typically includes several complementary coverages.
Professional Services · General Liability
Get General Liability Coverage for Your Professional Services Business
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