General liability and professional liability address different categories of risk. General
liability focuses on bodily injury, property damage and certain personal and advertising
injuries, typically arising from physical premises, operations or completed work.
Professional liability, or errors and omissions (E&O), covers financial harm caused by mistakes, negligence or failures in your professional services or advice.
If a client alleges that you cost them money through incorrect guidance, missed deadlines, misstatements or oversight, E&O, not general liability, is the relevant coverage.
Many California businesses, especially in service, consulting, real estate, finance and
technology, need both coverages to fully address their exposures.Rapid A&O helps business owners understand these differences and secure appropriate limits for each type of coverage. For help, call 818-296-8563.
