What Insurance Covers Contractor Mistakes?
Contractors may need general liability for third-party injury or property damage, E&O for service errors, and separate coverage for rework.
A contractor’s mistake can damage a client’s property, injure someone, cause financial loss, or require the contractor to redo work. General liability, professional liability, and property coverage address different claims; rework is commonly a business expense.
Check the contract’s scope, the alleged damage, and any professional-services exclusion. Compare CGL and E&O grants, limits, and endorsements against the work you perform.
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