General Liability Insurance or Professional Liability Insurance in Massachusetts - What’s the Difference?

Many business owners are aware of the importance of protecting their assets against unexpected losses by purchasing liability insurance in Massachusetts. State insurance providers offer a number of business insurance packages suitable for individual business needs. The number of insurance packages available may make finding the best solution for your business a complex decision. Understanding the difference between general liability insurance and professional liability insurance is a common point of confusion for many business owners.

General liability insurance usually covers damage, injuries and other issues related to incidents that occur on your business premises.

Professional liability insurance generally covers professionals in the event they fail to meet their professional obligations and a lawsuit is filed against them. Negligence on the part of the policy holder could also result in a negligence related lawsuit which may be covered under this type of insurance.

Typically general liability insurance helps shield the policy holder against injuries or physical damage, while professional liability protects the policy holder against damages that may be caused by failure to correctly carry out a professional responsibility. Like all business decisions, the type of coverage required should be carefully considered when investing in liability insurance in Massachusetts. Massachusetts insurance agents are experienced in assisting business owners with their choice of business insurance and our agents are happy to help you with any queries. With DiVirgilio Insurance, you can get the coverage you need with our agency’s help. Contact us today for more information!

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