Built for the Risks That Come with the Work
Designed to cover the professional decisions, errors, and coordination that arise when contractors take on design responsibility or provide technical services as part of a project.
When a claim traces back to a professional act rather than a physical one, general liability does not respond. This coverage is structured for that exposure. It addresses what contractors are responsible for professionally, not just operationally.
Talk to UsCoverage Overview
How Contractors Professional Liability Works
Covers Professional Acts and Decisions
Responds when a claim arises from an error, omission, or negligent act in the professional services you provide as part of a construction project.
Addresses the Design-Build Gap
When contractors take on design responsibility, standard GL policies often leave that exposure uncovered. This policy is structured to respond to it.
Project and Practice Coverage Options
Available on a project-specific or practice basis, depending on how your work is structured and what your contracts require.
Disciplines We Work With
Where Contractors Professional Liability Tends to Be Relevant
General Contractors with Design Responsibility
When your scope includes design-build delivery, you carry professional exposure that a GL policy alone does not cover.
Trade Contractors Providing Technical Services
Specialty contractors offering layout, coordination, or technical recommendations face professional risk tied to those services.
Contractors on Projects with Professional Liability Requirements
Many owners and project agreements now require professional liability limits. This policy satisfies those requirements.
Firms Managing Subcontractor Coordination
When your role includes overseeing the work of others, claims can arise from how that coordination was handled.
Worth Understanding
How This Differs from General Liability
General liability responds to bodily injury and property damage caused by your operations. It does not respond to claims rooted in professional decisions or errors in the services you provide.
Contractors professional liability fills that space. The two policies work together, and both are often required on commercial or public work.
Key Considerations
A Few Things Worth Reviewing
Scope of Services Matters
Coverage is tied to the professional services described in the policy. Accurate scope definition at the outset affects how the policy responds.
Claims-Made Structure
This coverage is written on a claims-made basis. The policy in place when the claim is reported is the policy that responds.
Prior Acts Coverage
Depending on the retroactive date, prior work may or may not be covered. Worth confirming before binding.
The Process
Deliberate at Every Step
Step 1
Review Your Scope
We look at the services you provide, the projects you take on, and any contractual requirements tied to professional liability.
Step 2
Identify Coverage Structure
We determine whether project-specific or practice coverage better fits your work, and confirm the appropriate limits.
Step 3
Approach the Right Market
We place with markets that understand contractor operations and write terms appropriate for your scope.
Often Paired With
What Firms Typically Review Together
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
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