Does Professional Liability Cover Bodily Injury?
Usually no: bodily injury claims belong on general liability or a specialized policy, and many professional liability forms exclude them outright.
Usually no. Professional liability is built for a client's financial loss from your services, and many forms exclude bodily injury outright. Injury claims normally belong on your general liability policy.
The exception is professions where your services can physically hurt someone, such as medical providers, who buy malpractice insurance, a specialized professional liability policy.
If one claim alleges both negligent advice and a physical injury, two policies may respond. Ask your broker which policy defends that claim and how the two insurers split defense costs and limits.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for This Answer
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-25.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-25.
- Lines of Insurance. California Department of Insurance; Professional Liability Insurance paragraph (profession examples; wrongful acts; Errors & Omissions Insurance; Malpractice Insurance); Commercial General Liability five forms including products and completed operations. Accessed 2026-09-25.