Contractors Professional Liability
For contractors, design-build firms and construction managers who design, coordinate or give professional advice as part of the work.
A contractor’s general liability policy usually excludes professional services. When you take on design responsibility, that gap needs its own coverage.
What It Is Built For
Design-build
Design errors on projects you deliver under one contract, whether your team or a subconsultant drew them.
Delegated design
Engineered systems you are responsible for, like trusses, curtain wall or fire sprinklers.
Preconstruction advice
Value engineering, constructability reviews and estimates that clients rely on.
Rectification costs
Some policies pay to fix a design error before it becomes a claim. Worth asking about.
Contractors Professional Liability: Common Questions
My designers carry their own E&O. Do I still need this?
Often yes. Their limits may be low, may be used up by other claims, or may not respond to your share of responsibility under the contract.
Does it cover faulty workmanship?
No. It is built for design and professional services, not the cost of redoing construction work.
Can it include pollution?
Many contractors buy it combined with contractors pollution liability in one policy.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.