The answer to professional liability coverage versus general liability coverage is: it depends. If the incident results from using a trained skill, one that requires years of education and training and one that is not performed by just anybody, then the professional liability form applies. If the incident results from an act or omission that requires no special training or education and that anybody can do, the general liability policy applies.

In this example, you have to find out if the chairs were chosen to fit specific ergonomic standards or to somehow enhance the health and posture of the employees, or if they were just chosen for economic reasons or because they were a nice color that fit the break room style. If the reason was the former, then the professional liability carrier should handle the incident; if the latter, the general liability policy is the one.

Of course, either policy would require the insured to be liable for the incident. If there is no liability, neither policy will apply for indemnity payments.