Which statement about professional liability coverage in relation to CGL is true?

• A. It is typically included in CGL and covers all professional services
• B. It is typically excluded from CGL and covered by separate E&O
• C. It never covers professional services
• D. It only covers medical professionals

Answer: (B)

Professional liability coverage is typically excluded from a CGL policy and provided by a separate E&O (Errors & Omissions) policy. A Commercial General Liability policy is designed to cover non-professional risks like bodily injury, property damage, and certain products-completed operations, not the specialized risks that come with providing professional services. Because professional claims involve alleged errors, omissions, or negligence in giving expert advice or services, they are managed best under a policy crafted for professional liability.

That’s why the statement about professional liability being excluded from CGL and covered by separate E&O is the best answer. While some policies may include endorsements for specific professional activities, the standard approach is to keep professional liability separate. It’s not true that CGL covers all professional services by default, nor that it never covers professional services, and it isn’t limited to medical professionals.