E&O / Professional Liability for Contractors
Errors and omissions coverage is the core professional liability product for contractors — covering defense costs and damages when a project owner or third party alleges that your professional services caused a financial loss. Design errors, specification mistakes, coordination failures, and professional negligence are the exposures E&O is built to address. General liability will not respond to these claims. E&O does.
What it covers
- Design errors on design-build projects — inadequate specifications, coordination failures, engineering input errors
- Specification mistakes that require field corrections, rework, or remediation by the owner
- Value engineering recommendations alleged to have caused performance failures or increased project costs
- Constructability review failures — failing to identify design conflicts during preconstruction review
- Professional coordination negligence — schedule management errors, scope gaps, document control failures
- Shop drawing review errors that result in non-conforming installations
- Defense costs — forensic engineering experts, document production, depositions, and trial
- Damages awarded or settled — project owner remediation costs, delay damages, and consequential losses
Who it's for
- General contractors performing design-build project delivery
- Contractors with design-assist responsibilities on GC or subcontract agreements
- Construction managers in CM-at-risk or CM-advisor delivery arrangements
- Specialty contractors providing engineering input, coordination BIM, or shop drawing design
- Contractors who provide value engineering services or constructability analysis
- Any contractor whose professional judgment, recommendations, or coordination services could give rise to a financial claim
Why CCA
- We understand the construction professional liability market — coverage triggers, policy language, and the claims patterns that affect contractor E&O
- Coverage structured with the correct retroactive date to ensure prior acts from completed projects are protected
- Defense-cost provisions reviewed and explained — inside-limit vs. outside-limit defense has major implications for large claims
- Carrier selection matched to your project delivery method — design-build programs differ materially from CM programs
- 15-minute quote turnaround with clear coverage explanations — no ambiguity about what you are buying
Common questions about e&o / professional liability
Yes — errors and omissions (E&O) and professional liability are the same coverage product described by different names. In the construction industry, the term contractors professional liability is also used. All three names refer to the same type of coverage: insurance that protects against claims alleging professional service failures.
E&O deductibles for contractors typically range from $2,500 to $25,000 per claim depending on the contractor's size, revenue, and risk tolerance. Higher deductibles reduce premium. Some policies apply the deductible to defense costs as well as damages — an important distinction we clarify when presenting your options.
Professional liability is primarily designed to cover claims from project owners and third parties, not from subcontractors. Subcontractor disputes are typically contractual matters. However, if a subcontractor's claim alleges that your professional service failures caused them harm, there may be some E&O applicability depending on the policy form. We review this when structuring your coverage.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes contractors professional liability programs coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty carriers with proven appetites for construction professional liability risks. Carrier selection depends on your specific operation, project types, professional service scope, and state.
Contact us immediately at 844-967-5247. We provide 2-hour claims response during business hours and will guide you through notifying your carrier, preserving documentation, and protecting your coverage position from the first day of a claim.
Yes. Monthly payment plans are available through most carriers and premium finance options. We walk you through payment options when presenting your professional liability quote.
Founded in 2005 — over 20 years insuring specialty contractors. Contractors professional liability programs have been a core focus throughout our history as contractor project delivery methods have evolved.
Basic information needed: business name, years in operation, annual revenue, project types and sizes, professional service scope (design-build, CM, design-assist, value engineering), states you work in, current E&O coverage if any, and claims history for the past five years.
Yes. New contracting firms can obtain professional liability coverage, though the retroactive date will be the policy inception date with no prior acts coverage initially. Coverage builds as you renew. We explain how this affects your protection and what to watch for in your first few years.
We are experienced with project-specific professional liability requirements — minimum limits, project-specific endorsements, additional insured language, and retroactive date provisions. Tell us what your contract requires and we will confirm your policy meets those requirements before binding.
Yes. Professional liability coverage typically applies wherever you perform professional services. Workers compensation requires separate state filings where you have employees, but professional liability follows your operations nationwide.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road Suite #105, Chandler, AZ 85249. We serve contractors nationwide by phone and online.
josh@contractorschoiceagency.com. We respond to professional liability quote requests within 15 minutes during business hours.
Yes. Submit the online quote form at contractorsprofessionalliabilityinsurance.com/quote and we will respond within 15 minutes during business hours. For fastest service, call 844-967-5247 directly.
Yes. We help manage certificates of insurance for your subcontractors and issue certificates to project owners as required by your contracts — including professional liability certificates with the specific language and limits your project owner requires.
Pair it with related coverage
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E&O, professional liability, and design-build coverage for general contractors, construction managers, and specialty firms — nationwide.