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As the construction industry continues to rapidly evolve, it’s important to that your insurance coverage keeps up as well. Most contractors today carry General Liability insurance, but not all carry Errors & Omissions (E&O) insurance.

Errors & Omission insurance fills the gap and provides coverage for “your work” and “your product,” which General Liability excludes. Depending on the company, an Errors & Omissions policy can provide coverage for property damage to the named insured’s work, the insured’s product, and impaired property. With the growing need, contractors’ E&O insurance has become more available and affordable no matter what your size of business.

Here’s an example of where Errors & Omissions coverage can be beneficial:

An electrician is performing work in a house, and accidentally causes a fire in the structure he is working on. The damage to the house itself may be covered by the general liability policy, but the actual electrical and electrical work will not be covered. In this case, the E&O insurance would fill this gap in coverage.

If you want to learn more about how E&O insurance could benefit you, give me a call at 864-400-3523 or click here to request more information.

Trevor Painter, Insurance Specialist for Contractors

 

 

The Turner Agency, Inc. is a local Trusted Choice® independent insurance agency located in Greenville, South Carolina and in Clemson, South Carolina. Serving the Upstate of South Carolina and beyond since 1962, we offer a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs for your company, homes, automobiles, recreational vehicles, secondary homes, and your life and health needs. Contact The Turner Agency today.

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