If you have both types of risks, then yes, you do need to get liability insurance. Additionally, in some cases, your employer or client may require that professional liability and general liability coverage are included as a condition of employment or other agreement with the company. Insurance policies are good investments in general, but it is imperative for business owners because there is an additional responsibility for customers and employees. After all, running a business comes with its fair share of trials, your Comprehensive General Liability policy can lessen the burden for you.