Does Professional Liability Cover Bodily Injury?
Usually no: bodily injury claims belong on general liability or a specialized policy, and many professional liability forms exclude them outright.
Usually no. Professional liability is built for a client's financial loss from your services, and many forms exclude bodily injury outright. Injury claims normally belong on your general liability policy.
The exception is professions where your services can physically hurt someone, such as medical providers, who buy malpractice insurance, a specialized professional liability policy.
If one claim alleges both negligent advice and a physical injury, two policies may respond. Ask your broker which policy defends that claim and how the two insurers split defense costs and limits.
