What is the difference between general liability and professional liability?

Both coverages protect your organization from lawsuits, but they cover very different types of claims; the key difference being what exactly caused the harm. General Liability covers physical risks, such as a guest suffering an injury on your property. Professional Liability covers service-based risks, such as a counseling ministry being accused of providing harmful advice that causes emotional distress. Note that General Liability will not cover damages arising from spiritual advice or counseling, nor any errors or omissions a board member may commit.