Coverage
For claims that your work was done wrong, whether or not it actually was.
Who needs it: Contractors who design, specify, advise, or manage rather than only build. That includes design-build contractors, those who provide estimates on whic...
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These are the gaps that turn into denied claims, so it is worth knowing where this policy stops.
Contractors who design, specify, advise, or manage rather than only build. That includes design-build contractors, those who provide estimates on which a client relies, and anyone managing a project where a mistake is expensive.
Written on a claims-made basis, so what matters is the limit and whether you keep the policy in force. Limits commonly start at one million, with higher limits for larger project values.
There is no single price, because the price follows your operation rather than the policy name.
General liability responds when you hurt someone or damage property. Professional liability responds when you cost someone money by getting the work wrong. A framing crew that drops a beam on a car needs general liability. A contractor who under-specifies a foundation needs professional liability.
Possibly not, and it depends on how far your role goes. If you build strictly to someone else's drawings you may be fine with general liability. If you advise on methods, sequence, or cost, you have a professional exposure even without designing anything.
It covers claims made and reported while the policy is in force, not the date the work was done. That means a gap in coverage can leave you exposed to work you completed years ago, which is why continuity matters more than price here.
Often yes, though known issues that predate the policy will be excluded. Tell us about anything you already know about, because hiding it wastes the premium and can void the claim.
Tell us your trade, payroll, state and what your contract requires.
