Coverage Basics

Coverage Basics

The $1M/$2M General Liability Limit: Why It's Usually Not Enough

A field guide to liability coverage basics: general vs. professional, occurrence vs. claims-made, and why a $1M/$2M CGL limit may leave you exposed.

Coverage Basics

General vs. Professional Liability: Which Coverage Do You Actually Need?

We compare general liability and professional liability insurance on cost, claims basis, and what they cover, then tell you which one wins for your bu...

Coverage Basics

Why Your Liability Coverage Is Probably Wrong: Stop Buying Limits, Start Buying Structure

Most buyers obsess over liability limits and miss the real coverage gaps. Here's why you should rethink your policy structure before you renew.

Coverage Basics

Your CGL Won't Cover a Client's Financial Loss: Why You Need E&O

CGL covers slips and falls, not the financial harm from a bad recommendation. Here's why you need E&O and how it works.