Comparison desk
Compare the protection, not just the premium.
A lower number can reflect lower limits, a higher deductible, narrower definitions, more exclusions, or a different claims trigger. Use the same business facts on both sides before drawing a conclusion.
Useful comparison rule: If two options do not use the same limits, deductibles, definitions, exclusions, and assumptions, they are not truly comparable.
Business liability
General liability vs professional liability
Physical third-party injury or property exposure compared with claims arising from advice, services, errors, or omissions.
Open comparison → Technology riskCyber liability vs general liability
Data incidents, system interruption, privacy response, and digital dependencies compared with traditional third-party liability.
Open comparison → Employer riskWorkers' compensation vs general liability
Employee injury obligations separated from third-party business liability questions.
Open comparison →A comparison framework you can reuse
| Check | Why it matters | Question to ask |
|---|---|---|
| Trigger | Shows what event activates the policy. | Is the policy occurrence-based, claims-made, or otherwise defined? |
| Limit | Sets the stated maximum subject to the wording. | Is the limit per claim, aggregate, person, location, or project? |
| Retention | Changes the amount the business carries itself. | Is it a deductible, self-insured retention, or both? |
| Exclusions | Define what the policy does not address. | Which exclusions touch the actual operation or contract? |
| Service | Claims response and risk support can affect the experience. | Who handles notice, defense coordination, breach response, or loss control? |
Comparison rules
- Use the same business facts and requested limits for both sides.
- Compare definitions, exclusions, triggers, deductibles, defense costs, endorsements, and conditions.
- Separate a legal or regulatory requirement from a contract requirement and from an insurer preference.
- Confirm current state rules and policy wording with official sources and a licensed professional.
Need a starting point?
Use the preparation estimator first, then open the comparison that matches the exposure you are trying to understand.