Personal vs. Professional Liability Coverage

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There are different types of liability insurance that can be taken out, depending on the circumstances. If you are a homeowner, most personal liability is covered under your homeowner’s insurance. If you are a business owner, you will need some form of professional liabilty coverage. In this post, Gregg S. Marcus, a Long Island Insurance Executive explains the difference between Personal Liability Insurance and Professional Liability Insurance.

Personal Liability Insurance
Personal liability insurance is sometimes referred to as “umbrella coverage” because it adds an extra layer of protection on top of your automobile and homeowner policies. Without this coverage, any liability beyond the limits of your homeowner or auto policies comes out of your pocket. This insurance can protect you financially if someone is injured on your property or if you or a member of your household accidentally hurts somebody or damages another person’s property. A person’s need for personal liability insurance depends on a number of varying factors, such as if your family has a backyard swimming pool, teenage drivers or a potentially harmful dog. Depending on the type of claim made against you, your auto or homeowner policies would be utilized first. Once the basic liability limit under the applicable policy is reached, your personal umbrella liability policy will kick in to cover the remaining costs, up to the policy limits. This type of policy also will cover situations not covered by other policies, such as slander, libel, defamation of character or invasion of privacy.

Professional Liability Insurance
Professional liability insurance can take on different forms and names depending on the business profession. For instance, in medical professions it is called malpractice insurance, but errors and omissions (E&O) insurance is used by consultants, brokers and lawyers. Other professions that commonly purchase professional liability insurance include accounting and financial services, construction and maintenance (general contractors, plumbers, etc., many of whom are also bonded), and transport. These types of policies are generally set up based on a claims-made basis, meaning that the policy will only cover claims made during the policy period. A typical policy will provide protection to the insured against a loss arising from a claim due to neglect or error or omission committed in the conduct of the professional business.

If you are a homeowner, renter or business owner in Nassau County or Suffolk County on Long Island in New York, and are concerned about liability on your property, rental or business, contact Gregg S. Marcus today for a quote.

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