Professional Liability Insurance
Do Contractors Need Professional Liability Insurance?
Not every contractor needs PL — but if you provide advice, design input, specifications, or project management services, you have professional liability exposure that GL won’t cover.
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Do contractors need professional liability insurance?
General contractors, design-build firms, construction managers, and specialty contractors who provide system sizing or design recommendations all face professional liability exposure.
If you strictly install per plans provided by a licensed engineer or architect with zero design input or advisory role, your PL exposure is minimal. But if clients ever rely on your recommendations — product selection, system sizing, approach advice — you’re providing professional services and need coverage.
The cost of PL is $1,500–$5,000/year. The cost of one uninsured professional liability claim can easily exceed $100,000 in legal defense alone. For any contractor who provides professional services, PL is essential.
Ready to explore professional liability coverage?
Trade Safe shops dozens of A-rated carriers to find the right professional liability policy for your contracting business.