General liability covers physical injury and property damage; professional liability (E&O) covers financial harm from advice or mistakes. Here’s which you need.
Workers’ comp isn’t optional in most states once you hire staff. Learn what it covers, state-by-state thresholds, e-mod pricing, and penalties for skipping it.
GL insurance covers customer injuries and property damage but not employee injuries, professional errors, or auto accidents. See 2025-2026 costs and real claim figures.
