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What is Contractor's E&O Liability Insurance and Why Have it?
Contractor’s E&O is a specific type of professional liability policy geared towards the exposures both Artisan
and General Contractors face.
Whether it is construction delays, misinterpretation of design plans or even incorrectly installing something,
contractors have a very significant E&O exposure. More and more property developers are starting to realize
the gap between the GL and E&O and are requiring contractors to carry an E&O insurance policy.
Typically when there is a claim on a construction project, multiple parties get dragged into the suit even if
the claim against them is frivolous. This is why our markets write this coverage on a duty to defend basis.
Coverage May Include:
• Contingent BI/PD
• Faulty Workmanship
• Rectification costs
• Contractor’s Pollution
• Mold
• Person Injury
• Punitive Damages
• Duty to defend policy
• Project/Client specific coverage
• Free contract review
• Pre-claims assistance
• Joint Venture coverage
• AI/WOS wording on the pollution
• Softened hammer clause
• Cyber liability
• Defense against administrative
proceedings
• Crisis management coverage
Sample Claim:
Roofing Contractor A roofing contractor incorrectly installs the roof of an apartment complex. The tenants of
the property discover leaks coming through the ceiling and report this to the property owner. The property
owner then files a suit for the damages against the roofing contractor. The contractor’s GL policy covers
the property damage to the apartment complex owner’s ceilings/ floors and cabinets, but does not cover the
cost to go in and replace the faulty roof. The contractor’s E&O policy then responds to this claim.
Target Classes:
• General Contractors
• HVAC/Mechanical Contractors
• Plumbing Contractors
• Electrical Contractors
• Flooring Contractors
• Carpentry Contractors
• Roofing Contractors
• Fire Suppression Contractors
• Paving Contractors
• Painters
• Landscape Contractors
• Kitchen Contractors
• Masonry Contractors