Blog & insights

Contractor professional liability, decoded

Plain-English guides on the coverage that matters for professional contractors — E&O, design-build, contract disputes, professional services liability, and workers' comp for contractor crews.

Why General Liability Won't Cover Your Professional Errors as a Contractor
Featured
Professional LiabilityJune 20, 20264 min read

Why General Liability Won't Cover Your Professional Errors as a Contractor

Most contractors believe their GL policy covers everything that goes wrong on a project. It doesn't. Here's exactly where GL stops and E&O begins — and why the gap matters.

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Design-Build4 min read

Design-Build Liability: Why Separate GL and E&O Policies Leave a Gap

Design-build contractors face a unique liability problem: one contract, two types of exposure. Here's why split policies often create coverage gaps — and what a coordinated design-build program does differently.

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Professional Liability4 min read

How to Choose the Right E&O Limits for Your Contracting Firm

Professional liability limits are not one-size-fits-all. Here's how professional contractors should think about how much E&O coverage they actually need.

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Workers' Compensation4 min read

Workers' Comp Class Codes for Professional Contractors: Why Getting Them Wrong Is Expensive

Workers' comp audits are one of the most common sources of unexpected premium bills for professional contractors. Here's how class codes work, which ones apply to contractor firms, and what misclassification costs you.

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Umbrella Insurance4 min read

Contractor Umbrella Insurance: Why Your GL Limits May Not Be Enough on Large Projects

A $1M general liability policy sounds like a lot until you're on a large project and the owner requires $10M in combined liability. Here's how commercial umbrella insurance works for professional contractors.

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