Georgia Adjuster Practice Test

Which of the following coverages would NOT be included in the liability section of the Businessowners policy?

1. General Liability

2. Professional Liability

3. Product Liability

4. Completed Operations Liability

The correct answer is: Professional Liability

The reason professional liability coverage is not included in the liability section of a Businessowners policy is that it addresses a different type of risk compared to the other coverages listed. Businessowners policies (BOP) typically provide coverage for general liability, product liability, and completed operations liability, which are designed to protect businesses against claims related to bodily injury, property damage, and certain operational risks associated with their products or services. Professional liability, on the other hand, is specialized coverage that focuses on claims arising from professional services provided by the business, such as errors and omissions in advice or services. This type of coverage is typically obtained through a separate policy or endorsement specifically designed for professionals, such as doctors, lawyers, or consultants, and it is tailored to mitigate the risks associated with their unique service-based liabilities. Therefore, while general, product, and completed operations liability pertain to more general business operations and physical aspects, professional liability is distinctly different in its application and coverage focus.