Provided by Cyber & Professional Lines Group

Contractors Professional Liability

TMHCC’s Contractors Professional Liability policy provides defense costs and coverage solutions addressing allegations of negligence for the professional exposures that a contractor faces.

Target classes

  • Design / Build Firms
  • Specialized and General Contractors
  • Electrical, HVAC, Mechanical, Fire Protection and Plumbing Contractors

  • Construction Managers – agency and at risk


  • Rectification expenses coverage
  • Network security and privacy liability coverage available

  • Contractors pollution incident liability (optional)
  • Contractors Protective Indemnity (optional)
  • Expanded Supplemental Coverages
  • Mediation deductible credit
  • Project or Client specific excess coverage

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

Get to know Architects & Engineers Professional Liability

The importance of Contractors Professional Liability Insurance

Your team

Head office

2999 Oak Road, Suite 720
Walnut Creek, CA 94597

Jim Bechter

Senior Vice President - AE/CP, U/W-A&E

Steve Hansen

Vice President, Underwriting AE/CP

Trevor Saccente

Underwriting Manager - AE/CP

Elizabeth Leavitt

Senior Underwriter

why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.