Contractors Professional Liability

Construction and contracting professionals face potential liabilities that place them at considerable financial risk because of the type and quality of services they deliver to clients. Tokio Marine HCC – Professional Lines Group provides coverage solutions addressing allegations of negligence for the unique professional exposures a contractor faces by assuming the role of a general or specialized contractor, design / builder, construction / project / program manager and owner’s representative.


  • Broad definition of Professional Services
  • Rectification and Mitigation Expenses Coverage 
  • Network security and Privacy Liability coverage available
  • Contractors Pollution Incident Liability (optional)
  • Contractors Protective Indemnity (optional)
  • Expanded Supplemental Coverages 
  • False Claim Act Expense Reimbursement via endorsement
  • Mediation deductible credit
  • Project or Client specific excess coverage
  • Waiver of Subrogation Coverage

Target Insureds

  • Specialized and general contractors
  • Design/build contractors who hire design professional firms or who have architects, engineers and design professionals on staff or subcontract out design services to other professional firms
  • Electrical, HVAC, mechanical, fire protection and plumbing contractors
  • Construction managers - agency and at risk

Summary of Coverage

The Contractors Professional Program from Tokio Marine HCC – Cyber and Professional Lines Group offers coverage for the unique professional exposures that a contractor faces.   This includes the General contractor, specialized trade contractor, design / builder, construction manager, project manager, program manager and owner’s representative, as well those providing services involving building commissioning, building information modeling (BIM), value engineering, constructability review or design-assist.   

Coverage is offered on a claims made and reported, duty to defend policy form with flexible limit options up to $5,000,000 on surplus lines paper.

For inquiries or submissions: [email protected]

On-Demand Broker Resources

The Importance of Contractors Professional Liability Insurance 


Since 1986, Tokio Marine HCC - Professional Lines Group has been a leading underwriter of professional liability insurance for architects, engineers, scientists and other construction professionals. Our team consists of engineers, attorneys and insurance professionals who are focused on serving the professional liability needs of firms involved in design and construction. This hands-on experienced underwriting, combined with superior service, and claims expertise allows us to provide flexible insurance solutions to our policyholders.
financial strength

Our financial strength ensures our clients will always be protected.

Click here
holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

Click here
tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

Click here