E&O/Professional Liability

E&O / Professional Liability Insurance

Errors & Omissions (E&O), or Professional Liability Insurance, is critical for contractors offering specialized services, design work, consulting, or project management. It covers claims that you made a mistake, gave incorrect advice, or didn’t deliver what was promised — even if the claim isn’t valid.

Clients might allege poor workmanship, design flaws, or project delays due to planning issues. Without this protection, defending your reputation in court can be expensive — and devastating for your business.

E&O Insurance demonstrates that you take your work seriously and have the coverage to back it up. It’s especially important if you offer services beyond physical labor, like estimates, engineering input, or architectural guidance.

Professional Liability Insurance is particularly important for trades that offer advice or oversee projects. An HVAC consultant who recommends the wrong system, or a general contractor who misses key permitting steps, could face client disputes that evolve into legal claims. This policy helps protect against those outcomes.

It also covers omissions — what you didn’t do but were expected to. If a client believes your negligence or failure to act caused financial harm, this coverage steps in to help defend your reputation and mitigate financial loss.

Even the most experienced contractors face misunderstandings. A simple scheduling miscommunication or a misinterpreted quote can escalate. With E&O coverage, you're better equipped to handle disputes professionally and with minimal disruption to your business.

This insurance also makes a strong impression on commercial clients and higher-end residential customers. It shows you’re serious about risk management and accountable for your work — which builds trust and helps win more business.

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