Do contractors need professional liability insurance?

Source:, September 8, 2022
By: Tim Walsh

With the evolution from the design-bid-build approach to construction to more collaborative delivery models (integrated project delivery, design-build, delegated design, design-assist), all or portions of the risk for negligent act, errors or omissions in design have shifted to the construction manager and its subcontractors.

General liability policies carried by contractors may exclude all coverage for professional liability, or they may provide limited coverage if the design arises out of means or methods of construction. However, even if a contractor’s general liability insurance provides limited coverage, it typically insures against claims for bodily injury, property damage, personal injury or property damage. It does not provide protection of economic damages brought by an owner. Read more.

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