About semi-colon usage in Xml files

Hello. Some special characters e.g. <,> and & cant be used in xml file. When used they throw an error. But semi-colon usage doesnt provide an error like ampersand does, although semicolon is a special character in entities. Why using semicolon in xml files is safe?

Thanks in advance.

A character needs to be escaped only if it tells the XML parser that something “special” follows it. Semicolons appear at the end of a named entity. The ampersand that appears at the start of a named entity is what signals the entity and needs escaping if you want it to be printed literally.