Why You Need This Comparison

For freelancers and small business owners, having the right insurance type can be a make-or-break decision. General Liability (GL) covers bodily injury, property damage, and legal fees—for things like a client slipping at your workspace. Professional Liability (E&O) protects you if a client sues over a mistake in your services. Knowing which applies to you—or if you need both—saves money and lowers exposure.

Comparison Checklist

HIPAA doesn't require perfection—it requires reasonable effort to safeguard data. These tools help:

Typical U.S. Monthly Cost

General Liability (GL)

Coverage Type

HIPAA Role

Service errors, missed deadlines, advice mistakes

$25–$45/month (~$300–$550/year)

Professional Liability (E&O)

Injury or property damage to others

$25–$45/month (~$300–$550/year)

Bundled BOP Policy

GL + property + interruption

Businesses with equipment or home-office exposures

Who Needs It

Photographers, event professionals, retail vendors

Consultants, developers, freelance writers, designers

$57/month (~$684/year)

When Each Applies

• Use GL if you meet clients in-person and could face injury or property damage claims.

• Use E&O when your services include advice, designs, client deliverables, or decision-making.

• Bundle both (BOP) if you use expensive equipment, work from a fixed business location, or carry business personal property.

Real-Life Example

Jane is a freelance graphic designer in California earning $75,000/year:
She regularly visits clients and works from a rented studio with computers and sample prints. She too often edits designs late, which sometimes delays delivery.

• She needs GL to cover any client visits or on-site mishaps.

• E&O is crucial if a client claims errors in her designs or missed deadlines.

• A BOP bundle at around $684/year offers broader protection and may cost less than purchasing coverages separately.

Final Thoughts

Use this checklist as your quick guide to choosing between general liability and professional liability insurance—or knowing when bundling both makes sense. Having the right coverage protects you from costly claims and helps maintain your professional reputation.

❓ HIPAA Compliance for Freelancers — FAQ

Can I have one without the other?

A: Yes—but you'll risk gaps. GL does not cover service mistakes, and E&O excludes injury or property claims.

Q: Are these policies required?

A: Some clients, especially in tech or consulting, require E&O. Trade shows or events may require GL for booth presence.

Q: Can I start with one and add later?

A: Absolutely. Many freelancers begin with GL and add E&O as they work more with clients or expand services.