A person or business that requires coverage for all liability exposure should purchase what type of insurance?

• A. Commercial General Liability and Professional Liability
• B. Commercial General Liability
• C. Professional Liability
• D. Umbrella Liability

Answer: (A)

Having protection for all liability exposure means covering both common third-party claims and professional mistakes. General liability handles claims from everyday operations—bodily injury, property damage, and related personal or advertising injuries from third parties. Professional liability, also called errors and omissions, covers negligence or mistakes in professional services or advice. An umbrella policy adds excess limits but usually sits on top of underlying coverages and won’t replace the need for the core protections. So pairing commercial general liability with professional liability gives a comprehensive base for most business risks, with an option to add umbrella for extra limits if needed.