Which statement is true about professional liability in relation to a standard CGL policy?

Which statement is true about professional liability in relation to a standard CGL policy?

• A. Professional Liability is typically excluded from a standard CGL policy.
• B. Professional Liability is automatically covered without endorsements.
• C. Professional Liability is the primary focus of CGL.
• D. Professional Liability is always included if there is a named insured.

Answer: (A)

In a standard Commercial General Liability policy, coverage is built to protect against third‑party bodily injury, property damage, and related advertising injury, not negligence arising from professional services. That’s why professional liability is typically excluded; errors or omissions in professional work can cause financial losses for clients and require a different type of coverage. To protect against those risks, professionals usually obtain a separate Professional Liability policy (also called Errors & Omissions) or add an endorsement that provides E&O coverage to the CGL. So the statement is best because it reflects that standard CGLs do not automatically cover professional liability; it’s not the policy’s primary focus, and being a named insured doesn’t automatically include it.

In a standard Commercial General Liability policy, coverage is built to protect against third‑party bodily injury, property damage, and related advertising injury, not negligence arising from professional services. That’s why professional liability is typically excluded; errors or omissions in professional work can cause financial losses for clients and require a different type of coverage. To protect against those risks, professionals usually obtain a separate Professional Liability policy (also called Errors & Omissions) or add an endorsement that provides E&O coverage to the CGL.

So the statement is best because it reflects that standard CGLs do not automatically cover professional liability; it’s not the policy’s primary focus, and being a named insured doesn’t automatically include it.