Do I need E and O if I have general liability?

If you do design, spec, or advisory work, likely yes. General liability covers injury and property damage, not professional errors. The two cover different claims.

Is errors and omissions usually claims-made?

Yes, typically. That makes the retroactive date and continuity important, since a gap can wipe out coverage for prior work. We manage those mechanics.

Why do design-build contracts require it?

Because design-build shifts professional responsibility to the contractor, and owners want that exposure insured. We confirm your coverage meets the requirement.

Contractor Errors & Omissions Insurance

For the design, spec, and advice general liability misses.

When a contractor designs, specs, engineers, or advises, mistakes in that professional work cause financial loss general liability does not cover. Errors and omissions, also called professional liability, fills that gap for design-build, solar, consulting, and specialty contractors.

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Contractor errors and omissions, or professional liability, covers financial harm from mistakes in your professional services, design, engineering, specifications, or advice, which general liability excludes. It matters most for design-build contractors, solar installers, and any contractor who takes on professional responsibility.

Where the gap is

General liability covers bodily injury and property damage, not financial loss from a professional error. If you design a system that underperforms, spec the wrong product, or give advice that costs a client money, that is a professional liability claim, and general liability will not respond. As more contractors take on design-build and engineering responsibility, this gap has grown.

Who needs it

Design-build contractors, solar and energy installers, contractors who provide engineering or specifications, and consultants all carry professional exposure. Contracts increasingly require professional liability for design-build work, and warranty or performance promises can create the same exposure. If your work product or recommendation could cost a client money if it is wrong, E and O is the coverage behind it.

How we handle it

We identify where your operations carry professional exposure, design-build, specs, performance promises, and place errors and omissions to match, with attention to claims-made mechanics like the retroactive date and prior acts. We coordinate it with general liability so a single incident does not fall between the two policies.

For the design, spec, and advice general liability misses.

Where the gap is

Who needs it

How we handle it

Common questions.

Does your work carry uninsured professional exposure?

Keep going.

Solar Contractors

General Liability

Coverage Review

Cover the work you are paid to judge.