Coverage lines

Insurance built line-by-line for professional contractors.

Each policy below addresses a specific exposure in professional contracting — from the E&O a standard GL policy excludes to the design-build liability your professional services program needs to handle correctly.

Essential coverage

Contractors E&O Insurance

The essential coverage for any contractor providing professional services. Contractors errors & omissions insurance protects your firm when a client alleges that your professional work — design recommendations, specifications, project management, or inspection services — caused them financial harm. Covers defense costs and settlements even when the claim is groundless.

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Design-Build Liability Insurance

Design-build contractors carry a unique double exposure — professional liability for the design phase and general liability for the construction phase. Our design-build liability programs bridge both, ensuring no gap exists between your E&O and your GL policy when a client disputes whether a loss originated in design or execution.

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Professional Liability Insurance

Contractors who inspect, consult, specify, or manage projects need standalone professional liability coverage. Whether you provide site assessments, value engineering, quality control inspection, or project management, professional liability protects your firm when a client claims your expert advice or service caused a financial or physical loss.

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General Liability Insurance

Commercial general liability for contractors with professional exposures — covering bodily injury, property damage, and personal injury arising from operations and completed work. Coordinates with your E&O to ensure the GL does not exclude professional services while the E&O does not exclude construction operations.

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Workers' Compensation

Workers' comp for firms with both office professionals and field personnel. Proper class codes for project managers, engineers, designers, and field superintendents — covering the real injury patterns of professional contracting from office ergonomic injuries to field construction accidents.

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Commercial Auto Insurance

Commercial auto coverage for the vehicles your professionals drive — project manager trucks, engineer field vehicles, and the hired and non-owned auto exposure when employees drive their own vehicles to job sites or client meetings. Coordinates with your GL and E&O program.

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Commercial Umbrella Insurance

Large construction and design-build projects often require $5M to $25M in total liability limits. Our commercial umbrella policies layer over your GL, auto, and employers liability to meet contract requirements and protect your firm from catastrophic claims on high-value projects.

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Contractor License Bonds & Surety

Performance bonds, payment bonds, bid bonds, and contractor license bonds for professional contractors on public and private projects. We work with A-rated surety companies to get your bonding needs met — even for firms with professional liability exposures that standard bond markets avoid.

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Not sure which lines you need?

Most professional contractors bundle E&O + GL + workers' comp + commercial auto into one coordinated program. We'll build the right mix in one call.

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