Comprehensive Coverage for Construction Professionals
Protect your business from claims alleging errors, omissions, or negligence in your professional services, design work, or expert advice.
Professional liability insurance (also called E&O) protects contractors who provide design services, project management, or professional advice. Unlike general liability which covers physical damage, professional liability covers financial losses from errors in your professional work. With the growth of design-build delivery in Bergen County, this coverage is increasingly important.
Any contractor providing professional services needs coverage
Combining design and construction services
Providing professional management services
Contractors with in-house engineering
HVAC, electrical, or structural design work
Contractors providing modeling or drafting
Construction consulting and expert services
Mistakes in plans, specifications, or drawings
Failure to meet professional standards
Incorrect professional advice or information
Unintentional use of protected designs
Failure to deliver promised professional services
Legal fees even if claims are groundless
Physical damage from poor workmanship (needs GL)
Physical injuries (covered by GL)
Covers claims made during policy period for past work
Legal defense costs outside policy limits
Coverage for liability assumed in contracts
Protection for projects anywhere in the world
Coverage despite partner's errors
Extended reporting periods available
Get an accurate quote based on your specific needs
Get Custom QuoteE&O covered redesign and retrofit costs
Outcome: $150,000 claim resolved
Professional liability paid for corrections
Outcome: $275,000 in additional work covered
E&O covered permit delays and redesign
Outcome: $85,000 in costs covered
Yes, general liability excludes professional services. If you provide any design work, specifications, shop drawings, or professional advice, you need E&O coverage. Many design-build contracts specifically require professional liability insurance.
Professional liability is typically claims-made, covering claims filed during the policy period regardless of when the error occurred (with retroactive date). General liability is occurrence-based, covering incidents during the policy period regardless of when claimed.
Yes, for larger design-build projects, we can arrange project-specific professional liability. This is often required by contracts and can be more cost-effective than annual policies for contractors who rarely do design work.
If you hire design professionals, ensure they carry their own E&O. Your policy may provide some coverage for their work, but it's best to require certificates and additional insured status. We can help structure proper risk transfer.
Coverage needs depend on project size and contract requirements. Typical limits range from $1 million to $5 million. Design-build projects often require limits matching the project value. We'll analyze your contracts to recommend appropriate coverage.
Consider these additional coverages for comprehensive protection
Get your Professional Liability Insurance quote in minutes. Our experts are standing by to help you find the right coverage.