Decision guides
Compare your options
Plain-language comparisons of the choices that come up when you license a business. Each guide lays out both sides, then tells you which one tends to fit.
Have a specific question? Browse our questions and answers.
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Occurrence policy vs Claims-made policy
Occurrence vs Claims-Made Insurance
Two policies can carry the same limit and still respond very differently, because they are triggered at different moments. Knowing which trigger you have decides whether a late claim is covered.
Reviewed May 2026
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Business owner's policy (BOP) vs Standalone general liability
Business Owner's Policy vs Standalone General Liability
A business owner's policy bundles general liability with commercial property at a package price. Standalone general liability buys the liability piece on its own. Here is when each makes sense.
Reviewed May 2026
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Certificate of insurance (COI) vs Additional insured
Certificate of Insurance vs Additional Insured
These two get confused constantly, and the difference matters. A certificate proves coverage exists. Additional insured status actually extends that coverage to someone else. One is paper, the other is protection.
Reviewed May 2026
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General liability (GL) vs Professional liability (E&O)
General Liability vs Professional Liability
Two policies cover two very different kinds of harm. General liability answers for physical injury and property damage, while professional liability answers for financial harm from the work you do. Most businesses need both.
Reviewed May 2026