Contractors Professional Liability for Contractors
Contractors professional liability is the broad professional liability product for construction firms — covering general contractors, construction managers, and specialty contractors whose project scope includes professional service responsibilities. As contractor project delivery roles have expanded — design-build, CM-at-risk, design-assist, integrated project delivery — professional liability has become a standard coverage requirement rather than an optional add-on.
What it covers
- Professional negligence claims arising from contractor professional services on any project delivery method
- Design-build delivery — integrated design and construction professional liability
- Construction management professional liability — CM-at-risk and CM-advisor roles
- Design-assist professional services — contractor engineering input and coordination responsibilities
- Owner's representative and project management professional service claims
- Completed project professional liability — claims arising from professional services on completed projects
- Defense costs for professional liability suits regardless of merit
- Settlements and judgments arising from covered professional negligence claims
Who it's for
- General contractors operating under design-build contracts
- Construction management firms in CM-at-risk arrangements with professional service obligations
- General contractors with design-assist scopes that include professional service components
- Specialty contractors providing engineering input, BIM coordination, or design responsibility
- Integrated project delivery teams where contractor professional service responsibility is shared
- Contractors who have been required by a project owner to carry professional liability as a contract condition
Why CCA
- Programs specifically structured for contractor professional liability — not repurposed A&E E&O policies with contractor exclusions
- Coverage for the specific project delivery methods you use — design-build, CM-at-risk, design-assist, or hybrid
- Retroactive date management across policy renewals — we track your prior acts coverage to prevent gaps
- Project-specific professional liability available for single major engagements requiring dedicated limits
- Coordinated with your general liability program to eliminate the coverage boundary disputes between insurers
Common questions about contractors professional liability
Design professional liability is written for licensed architects and engineers who stamp drawings. Contractors professional liability is written for construction firms whose professional liability exposure arises from contractor activities — project delivery, management, coordination, and construction professional services. The policy forms, coverage triggers, and underwriting criteria are different. Contractors need products designed for their risk, not A&E products adapted for contractor use.
No. Your contractors professional liability covers your professional liability as the design-build entity. The design professionals you employ or retain — architects, engineers — should carry their own professional liability. In design-build delivery, you manage the overall professional liability risk; your subs carry their own. We review this structure when quoting your program.
Yes, professional liability can be written on a standalone basis. However, the interaction between professional liability and general liability at the coverage boundary — where construction defect claims and professional negligence claims overlap — makes coordinating both coverages with a single broker advisable. We write both coverages and structure them to work together.
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
Get Your Contractors Professional Liability Insurance Quote
E&O, professional liability, and design-build coverage for general contractors, construction managers, and specialty firms — nationwide.