Professional Liability Insurance
Is a Workmanship Warranty the Same as Professional Liability?
No — a warranty is a contractual promise you make to the client. Professional liability is insurance that covers claims your professional services caused financial harm. They’re related but completely different.
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Is a workmanship warranty the same as professional liability insurance?
A workmanship warranty says ‘if my work fails, I’ll fix it.’ It’s a contract obligation you fulfill out of your own resources. Professional liability insurance says ‘if you claim my professional advice or design caused you financial harm, my insurer will defend and indemnify me within policy limits.’
The practical difference: honoring a warranty typically means repair work or replacement — a cost you absorb. A professional liability claim typically involves legal action, expert witnesses, and potential settlement far exceeding the repair cost.
Warranty failures can trigger professional liability claims. If a client claims the underlying cause of a warranty failure was your professional error (wrong specifications, bad advice), the resulting lawsuit is a PL claim even if it originated as a warranty dispute.
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