Are part-time employees and subcontractors covered by my policy?

In most cases, yes, part-time employees and subcontractors fall under the coverage offered by your professional liability insurance policy. Be sure to clarify that this is in your policy when you get a quote.

Is malpractice insurance considered professional liability?

Yes, professional liability insurance goes by many names, but it is generally the same concept across industries. Other titles may be malpractice, E&O, and professional indemnity.

Are professional liability insurance and general liability insurance the same thing?

No. General liability insurance is a “broad insurance policy” that covers risks like bodily injury and property damage.

Most small businesses have a need for general liability insurance, as it lays a great foundation of protection for the company.


Learn more about what general liability insurance.

Is professional liability included in a business owner’s policy (BOP)?

No. A typical business owner’s policy includes general liability insurance, property insurance, and business interruption insurance. Professional liability insurance would require its own policy.