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Why do I need Professional Liability for my Contracting Business?

Why do I need Professional Liability for my Contracting Business?

The line between contractors and design firms can often get blurry when you collaborate on ideas. If you give advice or input based on your professional experience you may become liable for professional services.

Professional Liability Insurance, often known as “errors & omissions (E&O)” can protect you from claims of professional negligence, error and omission.

Professional Liability covers financial loss caused by an error or omission in the service or product sold by the professional holding the policy. It will protect you from negligence, misrepresentation, inaccurate advice, and violation of good faith.

What if I sub-contract work? Do I still need Professional Liability Insurance?

If you hire sub-contractor to preform professional services it is recommended that you require them to maintain their own sufficient Professional Liability Insurance.

You should also carefully review your contract to make sure that they do not state that you will assume liability for your subcontractor’s mistakes and that you will legally be able to shift liability from your business to the subcontractor. A licensed insurance professional can help you review for these things.


We have a designated Construction Risk Specialist on our team. We are certified to provide insurance solutions to contractors of all trades and sizes. Let us help you find a policy that fits your business’ needs and make sure that you, your business and your employees are protected.

Call us today! (877) 947-6555