What does professional liability insurance not cover? 

Professional liability insurance does not cover bodily injury, property damage, employee injuries, or intentional wrongdoing. Those risks fall to general liability [link], workers compensation [link], and other policies. It also may not cover work performed before your policy’s retroactive date, which is why continuous coverage matters for service professionals. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.