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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.
Side-by-side view of the most common coverage choices in this category.
| 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 |
Per-occurrence vs. aggregate limits, products-completed operations, additional insureds, and the professional and auto gaps that general liability never fills.