Coverage lines

Contractors Professional Liability Coverage Lines.

Every coverage line contractors need — from core E&O and professional liability to general liability, workers compensation, and design-build coverage.

E&O / Professional Liability

Core errors and omissions coverage for contractors — protecting against claims alleging design errors, specification mistakes, professional negligence, and failure to perform professional services to the required standard. The foundational coverage for contractors with professional service exposure.

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Contractors Professional Liability

Broad professional liability coverage for general contractors, construction managers, and specialty contractors whose scope includes professional services — design-assist, value engineering, constructability review, and construction management responsibilities.

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Essential coverage

General Liability

Core commercial general liability protecting contractors from third-party bodily injury and property damage claims arising from operations, job site presence, and completed work. Coordinates with professional liability to provide comprehensive contractor protection.

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Workers' Compensation

Workers compensation coverage for contractor employees — covering injuries on job sites, in transit, and during project operations. Specialty programs for construction operations with experienced carriers who understand contractor workforce risk.

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Umbrella / Excess Liability

Additional liability limits above primary general liability and auto policies. Contractors working on major projects increasingly need $5M to $25M in total liability capacity. Umbrella and excess coverage delivers that capacity cost-effectively.

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Surety Bonds

Performance bonds, payment bonds, and bid bonds for contractors — required on public works projects, government contracts, and increasingly on large private commercial projects. We place surety bonds that meet project-specific bonding requirements.

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Design-Build E&O Coverage

Specialized professional liability for contractors operating in design-build project delivery — covering the integrated design and construction liability that arises when a single entity holds both professional design responsibility and construction execution.

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Get Your Contractors E&O Insurance Quote

We write professional liability programs for general contractors, construction managers, design-build firms, and specialty contractors with professional service exposure.

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