What is the difference between general liability and professional liability?

Commercial insurance protects your business against risk, and most businesses need several kinds of insurance to make sure they have the level of protection they need. Many people ask what the difference is between a general liability policy and a professional liability policy, and if they need both.

The agents at ALLConnecticut Insurance help the business owners in West Hartford, CT to find the insurance policies that best suit the needs of their individual businesses. They can answer any questions you have, and help you compare the various policies available to you.

General Liability Insurance

When you purchase a general liability policy, you are protecting your business against a wide array of risks. Your policy doesn’t just protect your business, your property and your employees; it also protects those who come into contact with your business, such as visitors and those who purchase your products.

Your policy will cover, up to its limits, both personal injury and property damage claims. It will even cover the legal fees and costs you may incur if there is a lawsuit or settlement over one of the claims.

Professional Liability

Professionals are held to a higher standard because they are expected to have specialized knowledge or skills. Many professionals are even regulated by the state and are not allowed to operate without a special license or certification. If they make mistakes or fail to live up to the high standards expected of them, they can be sued for professional negligence.

A professional liability policy protects your business against those risks if you are a professional. Like the general liability policy, it will also cover any expenses related to potential litigation. Call or contact ALLConnecticut Insurance if you are in West Hartford, CT and want to explore the best protection for your business.