If you have a business, you may cause harm to your customers while at work. Just think of a painting company that drops a pot of paint over the carpet. With liability insurance for companies (AVB) you are insured for damage caused during work.  

With  liability insurance  you are insured if you are legally  liable  for damage.  For example, if you cycle into a parked car, your cat knocks over an expensive vase or if your children shoot a ball through the neighbor's window. But also if you, your child or pet injure someone. Not every damage is insured. Consider intentional damage or damage caused with a motor vehicle .  Rented items are also not covered by your liability insurance . For example, if you rent a sander for that painting job in the house. Or if you rent a party tent for a garden party.

With Professional Liability, you are responsible for the consequences of errors in your work or the work of your employees. And business liability occurs if you or one of your employees causes damage or injury to persons, resulting in financial consequences.