E&O vs General Liability: Which Covers What?
E&O addresses covered service-error claims; general liability addresses third-party injury, property damage, and specified premises or product risks.
One business may need both because client advice and a visitor injury are different exposures.
Compare covered services, GL operations and completed-operations terms, limits, contractual-liability wording, and professional-services exclusions. Ask how defense costs and overlapping allegations are handled.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for Professional Liability, E&O and Tech E&O Answers
- 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 insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). 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.