What is a key distinction of the professional liability coverage under the businessowners policy (BOP) compared to the Commercial General Liability (CGL) Coverage Form?

Professional liability coverage within a Businessowners Policy (BOP) is distinguished by the fact that it can include optional endorsements specifically tailored for professional services. This means that while a standard BOP primarily covers typical business liabilities such as property damage and bodily injury, it can also be customized to address the unique risks faced by professionals, such as errors and omissions in their services.

This optional professional liability coverage is crucial for businesses that offer professional services, as it provides an additional layer of protection against claims related to their professional duties. Without this endorsement, the standard BOP might not cover such liabilities, leaving professionals exposed.

In contrast, Commercial General Liability (CGL) forms are designed to cover more general business risks and do not automatically include professional liability. Therefore, having the ability to add optional endorsements for professional liability within a BOP is a distinctive feature that makes it a versatile choice for businesses that also engage in professional activities.