General Or Professional Liability Coverage?


Liability insurance protects your company and provides coverage should an error or accident occurs that you are at fault in. As the owner of a business, you need this coverage. However, there are different forms of coverage. Do you need general or professional liability coverage? Which form best safeguards your business?

General Liability

With this coverage you receive protection should you or your services/employees directly or indirectly injure someone. If you are held liable then you may be expected to pay a settlement. Depending the severity of the situation, this could be a very big settlement, for example, if someone is injured using a product your company sells and requires medical care. The coverage also includes injuries or damages that happen on your property or any lawsuits for libel or slander. You need insurance in these instances because otherwise you could be in a dire financial situation, especially if you are a small or struggling business.

Professional Coverage

Also referred to as errors and omissions coverage, this policy protects you should an error on your part cause someone harm or financial problems. Doctors, lawyers, pharmacists, and accountants are common career fields that benefit from this form of coverage. This policy can help fund your defense and cover the cost of any settlements you may be required to pay.

Which Option Works Best For Me?

If you own a business then you absolutely need some form of coverage. To find out how much and what form of coverage you require, simply contact your Carrollton, TX insurance agency. Our agents can answer any questions you may have and help you decide which policies will best benefit your company. We will take your budget and what type of business you operate into consideration.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.