Professional Liability Insurance
How Does Professional Liability Differ From Completed Operations Coverage?
Completed operations (part of GL) covers physical damage from your work after project completion. Professional liability covers financial harm from your professional services mistakes. They address different risks.
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What is the difference between professional liability and completed operations coverage?
Completed operations coverage, included in your GL policy, protects against bodily injury and property damage claims that arise after your work is done — a roof installed incorrectly that later leaks and causes water damage, for example.
Professional liability covers financial harm from professional service errors — a design that was professionally negligent, advice that proved wrong, management failures that caused financial loss. No physical damage needs to occur.
A contractor needs both: completed operations in their GL for physical post-completion claims, and professional liability for professional service claims that often surface long after project completion. They complement each other — neither substitutes for the other.
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