What’s the Difference Between Professional Liability Insurance and General Liability?

Professional Liability Insurance (PLI) and General Liability Insurance (GLI) are two types of insurance that businesses need to understand. While they may seem similar, they provide coverage for different risks. So, what’s the difference between Professional Liability Insurance and General Liability Insurance?

General Liability Insurance (GLI) is a type of insurance that protects a business from third-party claims of bodily injury or property damage. This type of insurance covers a business if a customer or third party is injured on the business’s property or if the business’s products or services cause damage to someone else’s property. For example, if a customer slips and falls in a store, GLI would cover the cost of any medical expenses or lawsuits that may result. 

Professional Liability Insurance (PLI), also known as errors and omissions (E&O) insurance, protects a business from claims of professional negligence or malpractice. This type of insurance covers a business if a client or customer claims that the business’s services caused them financial harm. For example, if a consulting firm provides faulty advice that results in a client losing money, PLI would cover the cost of any lawsuits or settlements that may result. 

It’s important to note that PLI is specific to certain professions such as healthcare, legal, consulting, engineering, financial, and many other industries. In contrast, GLI is more general and applies to all businesses. 


Businesses need GLI and PLI to provide comprehensive coverage for different types of risks. For example, if a customer slips and falls in a store, GLI would cover medical expenses or lawsuits. If a client sues a business for faulty advice, PLI would cover the cost of lawsuits or settlements. 

In conclusion, General Liability Insurance (GLI) and Professional Liability Insurance (PLI) are two distinct forms of insurance that provide coverage for different types of risks. GLI protects a business from third-party claims of bodily injury or property damage, whereas PLI protects a business from claims of professional negligence or malpractice. Companies should consider having both types of insurance to provide comprehensive coverage for different risks.

Are you an AT that needs PLI and General Liability? Good news! You can now get a get PLI + General Liability insurance from Players Health through the Go4 app! It’s 2 policies in 1! For 1 price!

To get a quote:

1. Open the Go4 app

2. Click the menu icon

3. Click the PLI button

For more info and comparison charts: www.go4insurance.io