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General liability, professional liability (E&O), and umbrella — how the limits stack, what gets excluded, and the cheapest way to hit a $5M total tower.
Know what to compare
The table shows general differences between policy types. It does not show verified prices, confirm your eligibility or guarantee particular benefits. Always read the full insurer contract.
| Feature | General Liability Required | GL + E&O | GL + E&O + Umbrella Full stack |
|---|---|---|---|
| Bodily injury / property damage | |||
| Advertising injury | |||
| Professional mistakes (E&O) | |||
| Limits above $1M / $2M | |||
| Required by most commercial leases | |||
| Typical annual cost | $650 | $1,500 | $2,400 |
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Understand bodily injury, property damage, advertising injury and how commercial general liability differs from professional and auto coverage.