What does professional liability insurance not cover in Georgia?

Professional liability insurance in Georgia covers claims that you made a mistake in your professional services, but it does not cover everything. It is not a catch-all policy, and understanding its exclusions helps you carry the other coverages you need. An exclusion is something a policy specifically will not pay for.

Here is what professional liability typically does not cover:

• Bodily injury and property damage, which belong to your general liability policy, not professional liability.
• Intentional or dishonest acts, such as fraud or deliberate wrongdoing.
• Criminal acts and willful violations of law.
• Employee injuries, which fall under workers compensation.
• Cyber and data breach losses, which usually require a separate cyber policy.
• Work performed before the retroactive date on a claims-made policy.

For example, a Georgia consultant gives flawed advice that costs a client money. That financial harm is exactly what professional liability is designed to cover. But if a client visiting the office slips and is injured, that is a bodily injury claim handled by general liability insurance, not professional liability. The two policies cover very different risks.

Because of these gaps, many professionals carry professional liability alongside general liability, and often cyber and workers compensation too. A free coverage review maps these exposures and shows which companion policies pair with professional liability.