Contractors

Tailored industry coverage

 

Why purchase tailored coverage?

Contractors’ Professional Liability Insurance offers optimal protection to construction professionals ranging from small artisan/sub-contractors to large design build firms and general contractors. Coverage can be tailored to suit a policyholder’s individual needs. 

Appetite
  • Artisan Contractors/Subcontractors 
  • Design/build firms
  • General contractors
  • HVAC contractors 
  • Landscapers
  • Miscellaneous Contractors 
  • Roofing/EIFIS Contractors  

 

Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • Bodily injury, property damage and pollution liability explicitly covered where directly arising from performance of professional services, up to full limits
  • Defense of licensing proceedings and subpoena assistance - sublimit included as coverage enhancement, outside of limits
  • Punitive damages specifically included in definition of ‘damages’, where insurable by most favorable applicable jurisdiction, up to full limits
  • Personal injury expanded to cover ‘personal and advertising injury’
  • Payment of claimant’s attorney fees explicitly covered as ‘damages’
  • Supplemental payments up to $250 per day, up to $10,000 per claim, outside of limits
  • Up to $50K in pre-claim assistance, outside of limits
  • Independent contractors specifically included in definition of ‘insured’
  • Mold explicitly covered
  • FHA/OSHA/ADA regulatory coverage up to $25K · No asbestos exclusion for construction services
  • No asbestos exclusion for construction services
  • Third-party discrimination explicitly covered up to full limits
  • Deductible credit included in base form
  • Drone Coverage

Additional coverage available

  • Enhanced technology including coverage for building information modelling services (BIM)
  • Cost of defense options: first dollar defense, additional defense costs, aggregate deductible
  • Follow-form excess coverage
  • Special enhancements for small business (less than $1,000,000 annually)

Related products

Package Contractors coverage with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

General contractor

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

General contractor

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

Subcontractor

A subcontractor of the GC improperly designed and installed an HVAC system. Mold formed in the chillers, and the air in the building made people ill. Multiple claimants filed suit against the contractor in addition to the owner who suffered business interruption losses. Demands totalled well over $2M.  

Subcontractor

A subcontractor of the GC improperly designed and installed an HVAC system. Mold formed in the chillers, and the air in the building made people ill. Multiple claimants filed suit against the contractor in addition to the owner who suffered business interruption losses. Demands totalled well over $2M.  

Contractor

A contractor failed to detect the faulty workmanship of an out of state electrical contractor who used materials not up to local code. Once discovered, the entire electrical service had to be torn out and reinstalled at a cost of approximately $1 million plus resulting delays in project completion.

Contractor

A contractor failed to detect the faulty workmanship of an out of state electrical contractor who used materials not up to local code. Once discovered, the entire electrical service had to be torn out and reinstalled at a cost of approximately $1 million plus resulting delays in project completion.

Paving contractor

A paving contractor was hired to design and build a new parking lot for a shopping center.  After laying the tack coat of Naphtha in preparation for the final coat of blacktop on the parking lot, two days of heavy rain hit, washing the toxic material into a retaining basin and, subsequently, into a local stream. The clean-up costs exceeded $250,000.

Paving contractor

A paving contractor was hired to design and build a new parking lot for a shopping center.  After laying the tack coat of Naphtha in preparation for the final coat of blacktop on the parking lot, two days of heavy rain hit, washing the toxic material into a retaining basin and, subsequently, into a local stream. The clean-up costs exceeded $250,000.