Professional liability can help protect against claims arising from errors, omissions, or negligence in the professional services provided. For example, a client requests a specific shade of color, but the result is much darker than requested. Professional liability can address the dissatisfaction related to the color treatment.  

General liability can protect you from financial losses because of accidents or incidents that occur at your work site or premises. For example, a stylist accidentally knocks over a client's phone, which falls on the floor and is damaged. General liablity covers the cost of repairing or replacing the damaged phone. Keep in mind that general liability is not a warranty for your work. Damages from defective workmanship, incorrect installation, or faulty materials are not covered. 

Acuity offers professional liability for barbers and beauticians, funeral directors, and veterinarians. Click below to learn more about professional liability and our other specialized coverages.  

Acuity’s Specialized Coverages 

While it may not be a legal requirement in most states, it’s something business owners make sure to have. The benefits of having this policy are significant.  

It can cover unexpected incidents like a customer's medical bills or a lawsuit. Depending on your industry, you may need it for a professional license or to sign a contract for a larger project.  

Most states do not require a limited liability corporation (LLC) to have general liability insurance, but it is recommended. It can cover unexpected incidents that may derail your small business. General liability coverage acts as a safety net, allowing Acuity to protect what you created.  

General liability coverage does not include theft. General liability covers injury to a third party on your property and other incidents.  

Acuity offers Acuity’s Commercial Crime Coverage to protect against the dishonest acts of your employees and others. There are 11 different types of coverages available, from employee theft to counterfeit money.  

A certificate of insurance (COI) summarizes insurance coverage. It typically includes the coverage limits, the policyholder name, the policy number, and the date range. Businesses may request this certificate from their vendors before engaging in business together.  

Many factors, like the size and nature of your business, the location, and your perceived level of risk, determine how much general liability coverage you need. If you have questions,  the best practice is to work with an agent who can help you. 

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General liability does not cover cyber liability incidents such as data breaches, cyber liability, or identity theft. Cybercrime is one of the fastest-growing types of crime in the world, and we want to ensure your business is protected from any incidents. Acuity provides cyber insurance which helps shield your business from damages from the following:  

• Cyber Liability coverage sustains your business from unintended spreading of malware or a deliberate act that prevents others from gaining access to your computer system through the Internet. 

• Data Breach coverage protects you from accidentally losing or releasing your customers’ personal information. 

• Identity Theft coverage pays the cost of repairing personal identity. 

If you purchase this coverage,  you will receive access to risk management tools, best practice sheets, and a news center.

Unfortunately, this is not a simple answer. Your general liability policy provides coverage if your business does not sell, manufacture, or furnish alcoholic beverages. Businesses need a separate liquor liability policy to address the unique needs of those businesses.