General liability for professional service firms.

What general liability covers

General liability responds to ordinary third-party incidents, a client who slips at your office, damage you cause to a leased space or someone else's property. For a professional firm, the everyday physical exposure is smaller than the professional exposure, but it is real and routinely required.

What it does not cover

The key point is what general liability is not: it does not cover professional mistakes, bad advice, or a service that caused a client a financial loss. Those are E&O claims. Assuming general liability covers the work itself is a common and dangerous misread for a service firm.

Why you still need it

Office leases, coworking agreements, and many client contracts require general liability at specified limits, often with the landlord or client as additional insured. It is also the foundation of a business owners policy. We line it up with your lease and contract requirements.