Professional Liability Insurance
What Is the Difference Between Contractor PL and Engineer E&O?
Engineer E&O covers licensed engineering professionals’ design errors. Contractor PL covers the contractor’s own professional services — advice, specifications, and management decisions that aren’t stamped engineering work.
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How is contractor professional liability different from engineer E&O insurance?
Licensed engineers (structural, mechanical, electrical) carry E&O insurance for their stamped design work. When a contractor hires an engineer, the engineer’s E&O covers the engineer’s professional liability.
Contractor PL covers the contractor’s own professional services — system sizing recommendations, value engineering advice, construction management decisions, and design-assist contributions that don’t require a licensed engineer’s stamp.
In a dispute, a claim might go against both: the engineer for their stamped design and the contractor for their professional management or value engineering advice. Both need their own professional liability coverage.
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