Why General Liability Isn't Enough
General liability covers physical injury and property damage. It typically does not cover financial losses caused by a mistake in your plans, specifications, estimates, or advice. Professional liability (E&O) fills that gap.
What It Covers
- Claims alleging negligent design, engineering, or specifications
- Errors in estimates, project management, or construction administration
- Claims for financial loss caused by professional advice or services
- Legal defense costs for covered claims
Who Needs It
Design-build contractors, architects and engineers working under a contractor's license, construction managers, and consultants. Many public and commercial projects require proof of professional liability with set limits.
Claims-made policy: Most professional liability policies are written on a claims-made basis. Keeping continuous coverage, and buying tail coverage when you close a business, matters for protection.
What Affects Your Premium
- Type of professional services you provide
- Annual revenue and project size
- Claims history and years in business
- Required limits and deductible
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