General liability coverage is generally intended to help respond to third-party claims of bodily injury or property damage — the kind of everyday exposures that can arise when you interact with clients or use a workspace. It addresses a different set of risks than professional liability (E&O), which focuses on the professional work itself.
How the two differ
- Professional liability (E&O) — typically used for allegations about the grant-writing work, such as errors, omissions, or missed deadlines.
- General liability — typically used for allegations of third-party bodily injury or property damage, such as a visitor injured at your workspace.
When grant writers consider it
General liability may be worth considering if you:
- meet clients in person or host meetings at your office or a rented space;
- are asked by a client or landlord to show evidence of this kind of coverage;
- want a broader foundation alongside professional liability.
Packaging and limits
Professional liability and general liability can often be packaged together on the same policy, which keeps things simpler to manage. Liability limits from $500,000 up to $10,000,000 may be available, subject to the carrier and your state.