How to Combine General Liability and Professional Insurance

Many business owners overlook a crucial lesson: combining general liability and professional liability policies is essential for comprehensive protection. This guide walks you through what each covers, why you need both, and how to bundle them efficiently with our agency.

1. What Each Policy Covers

• General Liability Insurance protects against third-party claims for bodily injury, property damage, and advertising defects.

• Professional Liability Insurance (Errors & Omissions) covers claims arising from mistakes, negligence, or failure to deliver promised services.

Alone, neither policy covers the full spectrum—they target different business risks.

2. Why You Need Both

• A customer slip at your office would trigger general liability.

• A dissatisfied client citing subpar advice or a missed deadline triggers professional liability.

• Many service businesses—consultants, accountants, architects, IT professionals—face both risks regularly. Without both coverages, you’re leaving gaps that could threaten your business and reputation.

3. Benefits of Bundling

4. How to Bundle the Right Way

1. Assess your risk profile – consider physical injury risks, professional errors, contracts, and regulatory needs.

2. Request a bundled quote – we compare policies from nearly 100 top insurers to find the best package.

3. Choose limits smartly – base your coverage on contracts, potential judgment amounts, and revenue size.

4. Add relevant endorsements – common options include cyber liability, employment practices liability, and business auto.

5. Review annually – as your business grows, update coverage to stay ahead of evolving risks.

5. Real-World Scenario

A small design agency faced both a slip-and-fall claim and allegations of faulty design. Because they had bundled general and professional liability, both claims were covered under one policy—saving them from major out-of-pocket costs and legal exposure.

Final Takeaway

Running a business exposes you to multiple types of liability. Combined general and professional liability policies offer seamless protection, cost savings, and peace of mind. Don’t wait—protect your hard work today.

Ready to Bundle and Save?

Get your free, customized business insurance quote now. Our specialists will assess your business needs, compare comprehensive bundle options, and secure the best coverage and rate for you.