For business owners, understanding the differences between general liability and professional liability insurance is essential. While both provide critical protections, they serve distinct purposes.

• General Liability Insurance: This policy covers third-party claims of bodily injury, property damage, or advertising injury. For example, if a customer slips and falls in your store, general liability insurance would cover medical expenses and legal fees.
• Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects businesses from claims related to professional services or advice. For instance, if a client alleges financial loss due to your professional negligence, this policy would provide coverage.

The type of liability insurance you need depends on your industry and the specific risks your business faces. Many businesses benefit from having both types of coverage to ensure comprehensive protection.

Rayos Insurance Agency simplifies the process of selecting the right policies for your business. We take the time to understand your needs and provide expert guidance to ensure you’re fully protected.