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title
General liability insurance vs professional liability insurance
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As a small business owner or independent worker, there are two essential types of insurance coverage for your work. General liability insurance covers claims of third-party liability, such as damage to a client’s property, while professional liability insurance covers errors or omissions in the professional services or advice you provide. Here’s what you should know about your business insurance options before selecting coverage.What is general liability insurance?Also referred to as “commercial general liability” (CGL) insurance or “business liability insurance,” general liability insurance coverage is an excellent first line of defense against having to pay out of pocket for third-party claims related to third-party bodily injury (not to employees), third-party property damage, and personal and advertising injury. You can also add third parties to your policy who could be sued because of your actions at work. These third parties — which can be individuals or businesses — are known as...
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Beth Kessler
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