Contractor E&O insurance that protects the firm, the drawings, and the contract.

It depends on services performed, annual revenue, contract types, claims history, and coverage limits. Small specialty contractors may pay a few thousand per year; large design-build firms with significant professional services revenue run considerably more. We quote your actual firm in about 15 minutes — never a generic estimate.

Errors and omissions (E&O) insurance covers claims that your professional services caused financial harm to a client — design errors, specification mistakes, missed deadlines, and other professional service failures. Standard GL policies exclude professional services, making E&O essential for any contractor providing design, project management, or consulting services.

General liability covers bodily injury and property damage from your operations — a worker injures someone on site, or equipment damages a client's property. Professional liability (E&O) covers claims that your professional services, advice, or designs caused financial harm — a design error, a missed specification, or a cost overrun tied to your professional judgment. Both are typically needed.

Only for the construction side. General liability covers property damage and bodily injury from physical construction activities. The design side — professional services, drawings, specifications, and design decisions — requires professional liability (E&O). Design-build firms need both, ideally in a coordinated program.

Design-build liability combines professional liability for the design services and general liability for the construction operations into one program, ensuring no gap between the two sides. It's specifically structured for firms that provide both design and construction under a single contract.

Yes. If you direct, coordinate, or oversee subcontractor work as the general or design-build contractor, you can be named in a claim for their errors or for your project management decisions. Professional liability covers your exposure as the responsible party — not just your own hands-on work.

Contractor E&O covers claims that your professional services caused a client financial harm — design errors, specification mistakes, missed deadlines, cost estimate errors, and other professional failures. It covers your defense costs, judgments, and settlements up to the policy limits.

In most states, yes — workers' comp is required once you have employees, and construction work is high-hazard. Tool and equipment injuries, falls, and material-handling incidents make proper workers' comp essential. We class-code contractor labor correctly for each trade type.

Professional contractor operations carry several codes — project management and design staff, field supervisors, trade workers, equipment operators, and office staff. Correct classification matters: wrong codes mean overpayment, undercoverage, and audit surprises. We assign codes to your actual workforce.

Not without hired and non-owned auto coverage. If your employees use personal vehicles to visit project sites, meet clients, or run project errands, your firm can be liable for accidents in those vehicles. Hired and non-owned auto coverage fills that gap.

Yes. When a client alleges that your professional services — designs, specifications, project management, or advice — caused financial harm, professional liability covers your defense costs and the resulting judgment or settlement. Contract disputes are one of the most common triggers for contractor E&O claims.

Contractor bonds are financial guarantees required by many states, municipalities, and project owners as a condition of licensing or contracting. License bonds guarantee you'll comply with licensing requirements; performance bonds guarantee project completion; payment bonds guarantee subcontractors and suppliers will be paid.

A commercial umbrella policy provides excess coverage above your underlying GL, commercial auto, and workers' comp policies. When a claim exceeds your underlying policy limits, the umbrella pays the difference — up to the umbrella limit. Professional contractors with large contracts often need $5M or more in umbrella coverage.

Yes. For large individual projects where the standard annual policy isn't appropriate, we can write project-specific professional liability that covers only that project, often with dedicated limits that don't erode from other projects in the portfolio.

Often yes. We have admitted and excess-and-surplus (E&S) markets for professional contractors declined over a prior E&O claim, a professional services loss run, or complex project types. Bring us your situation and we'll find a path.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for professional contractors whether your firm is in Arizona, Texas, California, the Northeast, or anywhere in between.

Typically 15 minutes on a call. For larger programs with significant professional services revenue or complex project types, we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Usually yes. Bundling E&O, general liability, workers' comp, commercial auto, and umbrella into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.

Services performed, annual revenue, types of contracts (fixed-price, cost-plus, design-build), largest single project value, professional liability history, current coverage, and loss history. The more detail, the more accurate the quote.