Contractors Professional Liability

Construction and contracting professionals can be sued for something they did or did not do in the course of providing a quality service to their clients. TMHCC’s Contractors Professional Liability policy provides defense costs and coverage solutions addressing allegations of negligence for the professional exposures that a contractor faces.

How do we know? Consider this…

An HVAC contractor had installed an HVAC system at a police station in the Midwest. The police station was built over a parking garage where the police vehicles were stored and repaired. Two dispatchers alleged lifetime disabilities because the HVAC system brought carbon monoxide into the station. The HVAC contractor was subsequently sued. The policy might have been triggered by the personal injury to the occupants, however, it would not have covered the ripping and tearing necessary to fix the existing system since there was no property damage to the building itself. The professional liability policy paid for the repair.*

Tokio Marine HCC advantage

Our underwriters are engineers, attorneys and insurance professionals who know the professional liability needs of firms involved in design and construction. Each policy comes with our risk management and pre-claim assistance services to help your clients with contract reviews** and risk management.

*Coverage is determined based on the specific facts and circumstances presented at the time of a claim and the language of the policy issued to the Insured. These fact patterns are intended only to illustrate the types of claims that may trigger coverage under contractors professional liability.

**Contracts reviews are limited to an insurability review.

Summary of coverage

• Covers professional services involving design, such as architecture and engineering, performed by the contractor or on behalf of the insured contractor, building commissioning, building information modeling (BIM), value engineering, constructability review or design-assist

• Optional coverage for pollution incident liability arising out of contracting activities
• Optional coverage for contractors protective indemnity
• Offered on a claims-made and reported basis
• Duty to defend policy form with flexible limit options up to $5 million on surplus lines paper